Of course. Most insurance companies will not write physical harm coverage on vehicles over 15 or 20 years old. The reason for this is the broad discrepancy in the value of the vehicle of that age. Many companies will write coverage on an antique basis where you get an appraisal from an accomplished and that way you and the insurance company agree up front as to the value of the vehicle. This way they can also have a way of accurately rating the risk.
If your car is financed through a dealer do you have to have utter coverage insurance?
I believe it depends on the state, but as far as I know, if you have to have total coverage on a financed car, it doesn’t matter where it’s financed. If you still have questions, ask your insurance person, they’ll know the response.
Can you get a total coverage insurance policy on a car that you do not own?
Insurance for a Car you do not ownYes, You can Insure the property of another Person. So Long as you do so decently and have authorization to do so and the proprietor is benefited, or an other insurable interest in that property exists. An example is a case where dad says ” OK, you can use my spare car but you gotta get your own coverage”. If You have permissive use from the holder of a vehicle, then obviously you have an insurable interest. However, Only the Legal possessor of the Property or the designated agent of the holder can receive compensation for the property in the event of a covered loss, so you need to list the proprietor as an insured on the policy. If you buy decent insurance coverage, Then Dad will be proud and glad you were prudent enough to fully insure his and your interest in the vehicle he loaned you. You can not insure the property of another when no insurable interest exists and only the legitimate holder can receive compensation for a property loss. For Liability purposes any authorized driver has an interest in the insured status of a vehicle they are driving. List all drivers for liability purposes and list the holder for his property interest. Failure to disclose ( AKA “concealment”) that the vehicle is wielded or driven by another can negate any comprehensive or collision coverage and compromise liabilities. Meaning that the company would not have to pay in the event of that type of loss. ______________________________________________________________________Yes, you can. I did through Allstate Insurance Company. They did not ask if the car was in my name and I did not tell them anything different.
Can you get total coverage insurance on a salvage title car in Louisiana?
My insurance provider, Hanover, told me that they would only write liability coverage, and not total coverage on my truck that was flooded and totaled in Fresh Orleans.
Can you still contact your utter coverage insurance company to repair damages to your car if the accident occurred a year ago?
Sure. It certainly frowned upon, because often if you don’t repair the damages to a vehicle, further damages can occur (framework harm, for example, can mess up a car pretty badly if driven on for a year after the accident). Your carrier will make a note of it to their underwriting department, and depending on the seriousness of the damages or whether or not you mitigated your damages (ie, didn’t incur further damages), it could affect your policy. But…at the time of the accident, if you were paying premiums for coverage on your car, your carrier is contractually obliged to take care of those damages. Just don’t be astonished if they won’t cover extra damages that resulted from not having the vehicle decently repaired right after the accident.
Will insurance cover a total loss to a utter coverage auto when the car is covered by a private policy yet the car is titled to the proprietor’s company?
Not sure I totally understand your question. Are you both the proprietor of the company (and the car), the car is titled to the company, but have the car insured as a private/non-business auto? What were the questions on the application? They ask about business use, if those weren’t answered honestly there could be a problem. Or are you telling the company ou work for wields the car, but you have to carry insurance on it? Same question about the application would apply. Please be more specific and I’m sure I could be of more assistance.
If you were at fault in a car accident and have total coverage can the other party sue you personally or does your insurance company take care of that?
if there is a suit brought for the accident they will have to name or sue you, not the insurance company, don’t scare however, your insurance company should represent you, (if a judgment is entered against you the ins co will pay it, assuming as simplistic as question) if you areeverserved with papers instantaneously contact the adjuster…….you turned in the claim when it happened right? if not better get on that……..asap……
If you have utter coverage how much will your insurance company pay you for your stolen car?
Coverage on a Stolen Car .
Most insurance companies will only pay the blue book value of the car at the time that it was stolen. Check the Kelley Blue Book or the National Automobile Dealers Association for approximate values.
Can you get total coverage insurance on a salvage title car in Sacramento?
Response Yes with some companies you can. As long as repairs have been made. It could affect the amount you would get paid in event of loss however.
If you have utter coverage can the insurance adjuster deny your claim if your 15 year old son took your car without permission and wrecked it?
Coverage depends on a duo of things. What type of policy youpurchased, and/or whether or not your son is an excluded driver onyour policy. Since your son is a household resident and therefore considered tohave access to the keys, he is a legally defined permissive usedriver even if without your skill, this situation can notlegally be considered a theft. Named driver policies only provide coverage to those named on thepolicy. There are no exceptions. The policy is cheaper but youcan’t just palm your keys out to anyone anymore no matter who theyare. Limited Lines polices can be more affordable but coverage forunlisted divers is not provided under any circumstances. If you have a standard form auto insurance policy and your son isnot excluded, then you should have coverage even tho’ your sontook it without your skill. if this is the case, call them backand tell them you need the claim reviewed by a senior adjuster. ReactionDepends. I think they may pay for it if you press charges againstyour son for theft. ResponseYes, obviously the youthfull man would not have been a licensed driverand therefore not validly insured..
ReactionThe law presumes (as do insurers) that parents of minor childrenare financially and legally responsible regardless of the act. Theinsure has no legal obligation to pay a claim under suchcircumstances. .
ReactionA parent cannot request a minor child be charged with a criminalact as described as the child was in the custody of said parent andthe parent is held directly responsible for the minor child’saction regardless of the circumstances.
What does the insurance company have to pay if you total your car with utter coverage?
They pay whatever the value is of your vehicle less the deductible..
The value they pay, in most cases, will be the trade-in value or average private sale value. Not enough to substitute the car even when you add the deductible..
anything you do with the car or any one else but beware when claiming on insurance they will charge you more next time
If the insurance company didn’t make you get utter coverage who is responsible if your car is stolen?
If You Did Not Purchase Utter Coverage. They Are Not, So Looks Like The Person That Stole Your Car Is.
Will gap coverage cover a totaled vehicle if the insurance company denies the claim?
No because GAP covers any GAP inbetween what you owe on the car and the cars actual market value if the should your loan balance happen to exceed what your car is actually worth. If you owe $16,000 on a car but you owe Legitimate,000, GAP would kick in and pay the remaining Two,000. You would still end up with zero dollars, but you also don’t have to worry about paying off a loan on a car you no longer own.
Can you be denied health insurance coverage?
Yes on Individual plans. Employer Groups have ensuresIf you’re denied as an Individual there may be a State Risk Pool for you https://www.nahu.org/legislative/HRPs/index.cfm
Is utter coverage insurance on a used car needed?
if you want coverage on ‘that’ vehicle yes…rule of thumb i always use is can i substitute this car without much trouble should it total? 2500.00 car yes, i could, 10k car, no i couldn’t…….and i weigh the cost of the premium for the collision and comp coverage on that vehicle…do coll and comp cost me 500 a year? well, in less than four years (due to depreciation) I’ve spent again what that 2500 car cost me……see?
Can you get utter coverage auto insurance for a totaled car?
Has the vehicle been repaired and investigated and title cleaned up? If so no problem, if not I suppose you can if the company you are requesting ins. from doesn’t do their homework. But I promise you should you have another loss, this will resurface.
If you have a suspended license and utter coverage insurance and get involved in a single car accident due to medical reasons will the insurance company pay?
Maybe, it will depended on the policy wording and exclusions, you need to turn the claim in for a decision.
Can an insurance company deny coverage for a cesarean section?
I’M A MEDICAL BILLER. KIND OF A COMPLICATED QUESTION. DID YOU HAVE THIS COVERAGE WHEN YOU GOT PREGNANT? WAS THE POLICY PAID ON TIME CONTINUOUSLY? IF YOUR POLICY TERMINATED MID PREGNANCY, WAS THERE LESS THAN A 63 DAY GAP IN COVERAGE? IF SO,DID YOU Response THE QUESTIONAIRE SENT TO YOU BY THE Fresh INSURANCE IN REGARDS TO THE PREVIOUS COVERAGE? IS THIS A MAJOR MEDICAL POLICY? AS IN REGULAR MD VISITS AND PROCEDURE COVERAGE. THERE ARE MANY DIFFERANT TYPES OF COVERAGE. INDEMNITY – LARGE DEDUCTIBLE, CATASTROPHIC, VERY LARGE DEDUCTIBLE AND WILL ONLY PAY FOR A CATASTROPHIC INCIDENT. I’M NOT Attempting TO CONFUSE YOU. YOUR BEST BET IS TO CALL YOUR INSURANCE COMPANY, BE EXTREMLY NICE AND POLITE EVEN However YOU ARE VERY FRUSTRATED AND ASK FOR HELP IN FIGURING THIS OUT. IF YOU GET NOWHERE, YOU CAN EMAIL ME AT [email protected]
AND I’LL Attempt TO HELP YOU. I’M PRETTY GOOD AT WHAT I DO. PLEASE STATE “C SECTION” AS SUBJECT AND I’LL OPEN THE EMAIL. GOOD LUCK.
Will a finance company accept storage insurance instead of total coverage if the car is never driven If so how much cheaper is storage insurance compared to utter coverage?
They will very likely request total coverage on the car whether you drive it or not. The storage insurance should be fairly a bit cheaper than if the vehicle were actually in use on the streets, etc. Check with your finance company and your insurance agent.
Is a driver covered for rental cars if they have utter coverage insurance?
It depends on the exact insurance you have. To be sure just ring up your insurer give them your policy number , tell them what you want to do and ask them to confirm you are covered for it. Total coverage usually just means having liability, comprehensive, and collision coverages. Rental is something you pay extra to have.
Do insurance company fix your car if you have halfway coverage?
what is half way coverage? If you mean liability only, then no, they only pay for the harm you cause to the other persons vehicle or property. if you mean 50/50 both drivers were at fault, then each company will pay half, after deductables.
How much is utter coverage insurance on a fresh car?
The total coverage of the old car isapproximately $60 to $100. It gonna be cheaper if you negated withthem. Fresh car is approximately $150 to $200.
How old can a car be and utter coverage insurance?
There is no age limit albeit the value of the car may not justify the cost of total coverage.
If you have utter coverage insurance and have a car accident will the insurance company pay off your car if you still owe on the car?
If you’re filing the claim through your own collision coverage, your car insurance will pay the actual cash value (ACV) minus your deductible at time of loss. This may not be enough to cover loan due to interest, negative equity, etc. You can look at buying gap coverage either through your finance company or your insurance company if this concerns you. The best available resource for determining your ACV is www.nada.com.
Can you buy liability insurance on a car that you are financing or does it have to be utter coverage?
Auto Finance companies typically require the buyer to purchase”Total Coverage” insurance to protect their property until you havepaid it off. Just review the finance contract you signed when you made theagreement. It will detail your coverage requirements to avoiddefault on the finance note. If you fail to serve with your agreement, the lender generally hasthe option of purchasing the coverage at an insurer of their choiceand bill you for the extra cost (with interest) of acquiringthe coverage for you.
If your car is paid in utter do you need utter coverage insurance?
No. But in most states you are still required to have liability insurance to cover the costs of any damages you may cause to others if you are at fault in an accident.
Your car was totaled no other car involved you had utter coverage insurance and GAP insurance will you be reimbursed for your loss or will it all go to the finance company?
the very first priority of the insurance company is to pay of the loan holder (so the value of your car is determined and out of that) whatever is left over will be sent to you. If the value of the car is less than what you owe you are stuck with the balance as far as gap coverage goes you will have to check with your insurance company they’re all different
Is insurance company responsible for total coverage insurance on rental?
Response Car Rental Ins: .
EXTRA insurancethat you have a choice of taking or opting out of when you sign the rental agreement (by checking and initialing the correct boxes) has been a confusing part of renting for years. It’s abig money maker for the rental companies , but it’snot always a rip-off . They will attempt and get you to get extra individual liability,…extra propertyliability coverage,…a something called CDW. .
Very first, each company must carry liability for their cars that they rent out in every state. So if you’re in an accident and it’s the other guys fault, his/rental company pays harm. If it’s your fault, the rental company pays the other guys harm, but not the harm you’ve done to the rental. .
2nd, basically same for individual libility, except if it is your fault, the rental co. individual liab. insurance pays injuries. .
Third, always ckeck your own auto policy and credit card agreement (the card used to rent the car), because many times one or the other may suggest insurance coverage on your rental. THEREFORE Iusually tell people to skip the extra insurance suggest by the rental company. They charge per day per type, usually over $Ten.00 each. By the week that VERY expensive. .
Final Significant note: I’ve rented a lot of cars and have figued out that the CDW is worth having….WORTH EVERY PENNY. In the very first scenierio, if it’s your fault, and your credit card provides nothing, or you’re using a VISA Debit card….you will owe that rental company ONE car, just like you left the lot with . This is where COLLISION Harm WAVIER (CDW) comes in. (sometime called by a different name). You pay $11 – $ 16 a day extra, EVERYTHING is covered……scrape,.dent,.burn fuckhole in the seat,. food/drink spilled on carpet,.kids write on interior with majic marker….you name it and you DON’T OWE THEM A DIME. ANDif you crash it, they give you a brand fresh one to finish your tour!
Does utter coverage insurance pay for a rental car?
Some policies automatically include a minimal amount ofrental reimbursementcoverage, but generally your policy includes no coverage for rental reimbursement if it is not listed with apremiumon yourdeclarationspage.
What is the average cost of utter coverage car insurance?
There is no Average. The costs are determined by many risk factors. The most significant of which are your Age, Driving Record, Vehicle Type, Zip Code or region and often annual mileage.
Does a insurance company have to pay for your stolen car if you have utter coverage ins?
If by Total Coverage, you mean you also purchased Physical Harm, aka harm or loss of your vehicle and the car was confirmed stolen, preferrably via police report, the company will typically pay Actual Cash Value for your car, less your deductible.
What does the your insurance company do to a car if it is totaled and you only have liability coverage?
If you caused the accident and you totaled your car and you only have liability insurance, your insurance company does not do anything to your car. The car was taken away by the tow truck driver. You may pay to haul it somewhere to be repaired or you may sell it to a junk yard. If the other driver caused the accident, then his insurance company buys your car. It still goes to a junk yard to be recycled. That way, however, you will get some money. Either way, you are entitled to get your private stuff out of the car.
What car insurance company has the best coverage and rates?
There is no company that has the best coverage and there is no specific company with the best rates. I would shop around until you are comfy. Attempt this site where you can compare quotes from different companiesusinsurancequote.org
Will the Insurance Company pay for a rental car if the accident is your fault and if you have utter coverage ins?
Only if you have bought the extra coverage to have a rental. “Utter coverage” usually just means you bought liability, comprehensive, and collision insurance.
Do you have to have insurance utter coverage if you are not driving a car that you are still paying on?
Yes & No. You still have to have liability coverage, which is the lowest type of car insurance, if you plan on driving another person’s vehicle. Because, several years ago, I drove my friend’s vehicle and the brakes went out and I rear-ended another vehicle. My friend did not have insurance on his vehicle, so my license was suspended for three months for no insurance. I advised the DMV that the vehicle wasn’t mine! But, they told me that it doesn’t matter! I should have had liability insurance anyways, if I was planning on driving someone Else’s vehicle!
Who needs utter coverage car insurance?
People who need utter coverage car insurance include those who use their cars often. So, that includes people who go to work early, and often, people who attend university and use their car as a form of transit or even if you need to go to a friends house every week.
Does Ensleigh car insurance suggest utter coverage for customers?
Yes. Ensleigh Insurance does suggest total coverage. Granted, this will come at a pretty steep cost depending on your age, credit history, and type of car.
What is the best car insurance for total coverage?
The best car insurance is based upon your individual sittuation. It all depends on things like the size of your family, your budget and your driving records from the past. So there truly is no ‘best’ car insurance.
Can a car be repossessed over having liability coverage insurance instead of utter coverage?
If the lender required total coverage (to protect their interests)as a condition of the loan and you drop it and substitute it with aliability only policy, then you havebreached the terms of theloan . The lender now has the right to proclaim the loan indefault andrequest instantaneous payment in utter of principle andinterest . Failure to pay as demanded then gives them the rightto repossess the car and have it auctioned. If the auction does notget enough money they can sue you for the difference!
When a car has a Salvage Title can you get total insurance coverage on it in California?
I believe you can, butcollision and comprehensive would be atotal waste of your moneyon such vehicles and any responsibleagent should inform you of that before agreeing to sell you thepolicy. So while you can, you shouldn’t!
Is it a state law in Florida that your insurance company must provide a rental car after an accidentif you have total coverage insurance and hit a deer?
No. By “utter coverage,” I assume you mean you have comprehensive and collision coverage. This does not include rental. You have to buy a special endorsement on your policy to get rental. Hitting a deer is a comprehensive claim and if you have rental, you will get a rental if the car is non-drivable or when it is in the shops for the repairs. If you did not buy rental, the insurance company does not have to pay. Check your coverages.
How do you get utter coverage car insurance?
In order for one to acquire total coverage car insurance on their automobile, one must finish a series of tasks. Step One: Purchase a Vehicle. Step Two: Call Progressive, where i can assist you in choosing what is right for you. Step Three: Avoid taking left turns on your way to work. Left turns are statistically more common for provoking Silverback Gorilla attack. Step Four: Request Utter Coverage Insurance when you consult your Progressive agent. I hope i have assisted you in your process. Flo Progressive Sales Agent
Is it legal for a dental insurance company to deny coverage as a secondary provider?
Yes, it can be and no it may not be. You did not give enough information for a determination. Usually, the primary carrier pays their maximum, then the secondary carrier pays some or all of the portion of the procedure that is left BUT not more than the claim itself or more than they would have paid if their contract was primary. Here are some reasons why it could be legitimate to deny your claim. You could have hit the thresholds of the secondary policy. There could be a provision in the secondary policy that it does not cover the procedure that you had or that says it does not pay anything if it is secondary. The latter is somewhat unusual but worth checking for. Did you ask the carrier why they denied it? If they do not point to a specific provision in your contract, ask them to. If they do not, your state Insurance Department should have a consumer representative that you can ask for help in determining whether it was legitimate for them to deny coverage.
What to do after a car insurance company denies your claim?
The only step you have left is to sue the driver of the other vehicle. Keep in mind, it is your responsibility to prove that the other driver was at fault.
When to drop utter coverage car insurance?
You should only drop the physical harm part of your insurance if your vehicle is paid for in utter and when you no longer would need help substituting or repairing the vehicle if a claim occurs. Also you could say that when the price of the physical harm coverage exceeds the benefit of substituting the value of the vehicle.
What is the cost of total coverage car insurance?
Total coverage for car insurance usually depends on where you live, what kind of car you drive, your age and how far you plan to travel. Typically figure about 800 dollars a year.
What car insurance companies suggest RAC breakdown coverage?
If you go to the RAC website, there are many options for RAC breakdown coverage. Have you still not found what you are looking for? Check your local phone book and call around!
What car insurance company offers coverage with no deposit?
Almost any car insurance company may sometimes permit people to purchase insurance without a deposit. However, they may also turn down if the information provided is not acceptably risk-free enough.
What companies suggest utter coverage auto insurance?
Total coverage auto insurance is suggested by companies like Nationwide, Cars Direct, AXA Insurance, Fresh York Motor Insurance and AAMI. These companies also have insurance services for other products.
Is utter coverage insurance worth paying on a salvage car?
Usually not, collision and comprehensive only pay based onpre-accident value of the car, which for a salvage is very littleif anything. You will need liability and it might be useful to haveuninsured motorist.
Will total coverage car insurance cover electrical?
Physical Harm coverage on an auto policy covers all parts of the car that are bruised in a covered loss or covered accident. Maintenance issues are not covered on auto insurance.