2006-08-12 03:48:10 · 9 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Liability coverage - covers the other guy's car or injury if you're at fault. Also handles lawsuits arising from an accident. This used to be separated into "Property Damage" and "Bodily Injury" coverages. Maybe it still is in other states.
Medical covg - covers your medical bills if you're injured. Pays no more than the bills, no 'golly i'm sore' money.
Collision coverage - covers body damage to your car. There is usually a 'deductible' you have to pay.
Comprehensive coverage - covers non-collision damage to your car from covered causes. Falling branches, water damage, hail storm damage, etc. Deductible here too.
Uninsured Motoriest coverage - covers you if the other guy is at fault and had no insurance. Your own insurance company pretends they are the other guys insurance company and gives you what his company would have given you if he had insurance.
If you're in a "no fault" state, you're really lucky. It usually costs a whole lot less. But 'no fault' is where your insurance company fixes you up, and the other guy's insurance fixes him up.
These are the principle lines of auto insurance. There's alot of other riders and endorsements that vary from company to company, but these are the basics.
2006-08-12 06:38:14 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Insurance follows the VEHICLE. This is a straight answer from an insurance person. The policy is written on the car itself, not the driver(s). Driver will be covered if he drives another car that does not have ins coverage.
PS -- it's in black & white right in your policy.
2006-08-12 03:58:13 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Insurance covers the vehicle and any authorized driver. A driver is considered authorized if they have the owner's permission or reasonably believe that they would have their permission as long as the driver is not listed on the policy as an excluded driver.
2006-08-12 05:54:33 · answer #3 · answered by Bostonian In MO 7 · 0⤊ 0⤋
Insurance followes vehicle unless you have a rider that insures you no matter what you drive. If you rent cars a lot, good idea, and a good idea generally becaues you cannot ever know what insurance a friend may have on their car. A rental replacement is also good, gives you a car, no matter what happens
2006-08-12 20:34:53 · answer #4 · answered by auhunter04 4 · 0⤊ 0⤋
Auto insurance always covers the driver (policyholder) , for vehicles the own, rent, etc. Rates are based upon the vehicles you list on the policy and your record, crime rate in your town, how far you drive to work, etc.
2006-08-12 03:56:52 · answer #5 · answered by JeffyB 7 · 0⤊ 0⤋
It depends on the insurance company.
Insurance covers the driver and the insured car. However, if that driver is not list on your policy - the claim may not be covered.
2006-08-12 07:26:41 · answer #6 · answered by PeppermintandPopcorn 3 · 0⤊ 0⤋
It depends on what kind of insurance policy you purchased.
Of course the insurance company will answer all your questions so that you can decide what kind of coverage you think will best fit your needs.
2006-08-12 03:59:27 · answer #7 · answered by Belen 5 · 0⤊ 0⤋
It should cover both. Have them send (e-mail) you a detailed policy before you buy explaining everything. If they don't, call anther company. Insurance is a big rip off in most cases.
2006-08-12 03:55:22 · answer #8 · answered by Patty 4 · 0⤊ 0⤋
No - your husband has 30 days from the date of your wedding ceremony to characteristic you to his plan. in hassle-free terms claims that happen when you're enrolled contained in the plan would be coated by utilising this coverage. scientific well-being coverage not at all is going retroactive. Sorry. generally hospitals are very prepared to artwork with you on a value plan. Did you ask?
2016-09-29 04:46:19 · answer #9 · answered by ? 4 · 0⤊ 0⤋