can someone put car insurance on a car that someone else is paying for?
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Can Someone Else Insure My Car if the Title Is Under My Name? Car Owner and Policyholder Can Be Different People. Typically, the person who owns a car is the person who insures it. However, most states permit auto insurance policies to be paid by someone other than the registered owner. The same cannot be said of all insurance carriers. Some will not insure a vehicle if the policyholder and car owner are not the same. Even if someone other than the vehicle owner insures the car, it is possible the insurance company may later deny payment on a claim for this exact reason.
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What if I damage someone elseâ²s property? So long as you have the required insurance, ICBC will pay for any damage you have caused to someone else’s vehicle in an accident. Whether ICBC will pay for your own damages depends on who caused the accident and whether you have collision insurance. If you were not at fault, ICBC may pay the entire bill.If you caused the accident, but you have collision insurance with ICBC, you’ll have to pay the deductible, and ICBC will pay the rest.However, if you don’t have collision insurance and you caused the accident, you will have to pay for your own vehicle damage.f you caused the accident, but you have collision insurance with ICBC, you’ll have to pay the deductible, and ICBC will pay the rest. However, if you don’t have collision insurance and you caused the accident, you will have to pay for your own vehicle damage.
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Exclusions: What your policy won't cover The most common exclusion regarding a person is a named driver exclusion . With this, you and your insurer agree to exclude a specific person from your policy's coverages. This driver isn't rated on your policy, and in return your insurer won't cover the individual if found driving your car.
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- If you are involved in an accident with a driver who does not have any car insurance at all, you will likely have to turn to your own insurance company to cover your damages, assuming you are properly insured. Uninsured motorist coverage is additional coverage that you can purchase from your insurance company.
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Can I add my child to policy if she doesn't live with me? Answer: No. If your daughter doesn’t live with you, then you wouldn’t normally be allowed to put her on your car insurance policy, even if you add her name to the title of your car.an I add my child to policy if she doesn't live with me? Question: I am going to add my daughter as a co-owner on the title of my car that she drives.
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- There is no requirement for the owner or registered keeper of a vehicle to insure it. The insurance is required by the driver. In the UK, we insure the driver, not the vehicle. Motor insurance relates to the use of the vehicle, not the ownership.he registered owner/keeper of the vehicle must have the insurance in their name. As the car technically belongs to your son (V5 docs in his name) any insurance payout should be payable to him.
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Determining which drivers must be listed on your car insurance policy If your teen or adult child does borrow your car on occasion, your insurance will be primary. For this reason, it’s wise to carry high liability limits. Buy collision coverage if you want your car covered by your policy if it’s in an accident.Your child’s auto insurance policy won’t extend to your car.. Insurance for a parent who lives with you. A parent who lives with you and has his own car should be responsible for the insurance on it. You shouldn’t have to list him on your policy, but you may be required to show proof of his insurance policy to your insurer.
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- When borrowing a car, it’s important to know that auto insurance follows a car and not driver. So, while you could purchase a non-owner car insurance policy, it would provide only secondary coverage to the car owner’s primary auto insurance coverage. To buy a non-owner car insurance policy, call 1-844-252-4551.
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Does the owner of the car have to be the main driver on the insurance? Report Abuse. The person who does most of the miles should be the main driver. However the registered keeper of the car (the person who's name is on the registration document) should generally be the policyholder (some insurance companies insist on this).The policyholder does not have to be the main driver.Be honest with the insurance company. Tell them who owns the car, who is the registered keeper, who drives it the most, and what other drivers you want covered and they'll give you an accurate price and will honour the agreement in the event of a claim. just now. Report Abuse. The person who does most of the miles should be the main driver. However the registered keeper of the car (the person who's name is on the registration document) should generally be the policyholder (some insurance companies insist on this). The policyholder does not have to be the main driver.
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To be or not to beâ¦insured. Is it really something to question? One party (the insured) pays another party (the insurance company) to accept the financial risk of a costly injury. By having many customers paying them to accept risk, and statistically knowing most will not use the insurance, an insurance company can offer to cover the cost of such an event at amount much less than the actual cost.
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Would my own auto insurance cover me to transport disabled people on the job? I would be being PAID.? Report Abuse. True. A personal auto insurance policy would NOT give any protection to you, your car, or the people in your car, if you're being paid to transport people. You would be completely uninsured.This company is being dishonest. They don't want to cover you, and they aren't telling you that you aren't covered. company I want to work for requires me to have my own personal auto insurance for liability purposes, but my insurance co. says any accident or injury would not be covered because I am being paid and that makes me like a taxi service. This is common practice in the home care agencies.
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Lending Your Car If you lend your car to your friend who is “not” impaired, but later becomes impaired and is involved in an accident, the insurance company will pay for all damages. But the insurance company may sue your friend for their costs. I Don’t Want Them Driving My Car.ending Your Car If you lend your car, you lend your insurance. Another driver can seriously affect your insurance rates. Their tickets are their problem, but their accidents are your problem.
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Does a Co-Signer Affect My Car Insurance? The co-signer obligates himself to pay the auto loan payment if the other signer fails to do so. Having a co-signer does not necessarily affect your car insurance rates, but you may need to add the co-signer as an additional insured party on your car insurance policy if he is named on the title.
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If I let someone else drive the car I rent...? Even though you put insurance on the rental, and the person is on your policy, the insurance (either from the rental agency or your insurer) will not be extended to any drivers not listed on the rental contract. You must notify the rental company that there is an additional driver. And pay the extra fees.
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Can my car insurance be in a different name than the title of my car? Best Answer: It's not wise, too. You can pay for anything you want, but it doesn't mean that it works. Your dad does not have insurable interest in the car, since it's not his. No where in a policy does daughters boyfriend = a named insured. If there's a claim, the policy would pay to defend your dad and you. just now. Report Abuse. Anyone can buy insurance on any car, The basic requirements are that the insured is a licensed driver and the car has valid tags and title. If the car is owned by one person and insured by another it is very possible that the owner will not be covered by the insurance.
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Your child and your car insurance. You will definitely need a separate policy in your child’s name if you live in a state that allows a minor child to own a car in the child’s name alone, or if your child is 18 years old or older, and the car will be in the child’s name alone.
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- It's possible you'll be financially responsible for an accident — even if someone else is driving your car. In most states, the car insurance policy covering the vehicle is considered the primary insurance, which means that the insurance company for the vehicle must pay for damages caused by an accident. Even so, it's still possible that the driver's insurance company could be responsible for some of the damages.
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Should I Keep My Child on My Car Insurance? If you own a vehicle, and it’s listed on your policy, anyone you give permission to use it also uses your insurance. Even if they have their own car and insurance policy, your policy’s coverage is primary. It doesn’t matter whether that person is your child, your friend, or anyone else.
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Car Accidents Involving Someone Else's Car The borrower's insurance (your insurance in this case) might be used secondarily if your policy provides coverage for you in a borrowed vehicle. Scenario #3: Someone borrows your car and they ARE on the same policy. There is coverage in this instance for the same reason as scenario #1.
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Car Accident Repair Options and Insurance Availability The Other Driver's Property Damage Liability Coverage. Drivers are required to buy liability insurance for registered vehicles, and after a car accident, the property damage liability coverage of an at-fault driver's insurance should kick in to pay for any damage to your car.n some cases, you may have to turn to your own car insurance to pay for damage to your vehicle, assuming you have collision coverage. This kind of car insurance coverage can be thought of as another form of no-fault insurance.
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Main Navigation Does my insurance policy cover someone else who drives my car? Yes, your policy covers most licensed drivers who have permission to drive your car. Speak to your agent for additional details. Yes, your policy covers most licensed drivers who have permission to drive your car.
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- Third Party Property insurance covers only your liability for damage caused by the car to other people's property, plus a limited amount of cover for the car if damaged in a no-fault accident with an uninsured vehicle.
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Can I insure my friendâs vehicle? Is it legal for me to pay my friend’s car insurance bill? There are no laws against someone paying someone else’s bills, no matter what the circumstances might be. Perhaps you are helping out a friend, or you are a listed driver on the vehicle, and you want to pay your part.
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Can I Buy Life Insurance on Someone Else? The only situation in which insurable interest and consent are not needed is if parents apply to purchase life insurance on their minor child. If someone does manage to purchase life insurance on another person without their consent, this is insurance fraud.
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Automobile Insurance Made Easy Liability insurance pays to repair or replace the other driver's car and pays other people's medical expenses when you’re at fault in an accident. If you buy insurance to meet the state's financial responsibility law, you must buy at least the minimum amount.
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Get FREE Auto Insurance Quotes If you cause an accident and someone else's property is damaged, your automobile insurance liability coverage will pay for the damage. In an accident, damaged property often includes the other driver's vehicle.