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How can you get car insurance coverage without paying utter year premium after cancellation?They refund you the remainder of the premium not used for the year.

If you have total coverage and your car is totaled by someone and their insurance pays the current value will your insurance pay the difference?

Depends on the underwriting rules as to what they consider indemnifying you. They may cover it, and then subrogate against the other insurer.

If a friend without a license hits someone in a parking lot while pulling your truck out of the way will your total coverage insurance pay for it?

Yes if you vehicle is insured in Fresh Jersey, every state has different insurance laws, but to my skill the Eastern US states,MA, PA and Fresh York, usually work in a similar way in that your insurance will pay for the other party that the unlicensed driver hit if you have insurance for the vehicle, it does not have to be total coverage, your liability portion on your policy will cover the harm to the other vehicle. In NJ, everyone who is insured must carry liability insurance, which covers the other vehicles involved. If you have collision coverage, once you meet your deductible, your harm will be covered for your vehicle in this case. This is an at fault accident, and most likely your rates will increase, especially in the State of Fresh Jersey. Credentials of er: Previous Fresh Jersey auto adjuster and presently recovery agent for 2nd largest insurance carrier in the U.S. Hope this reaction helps.

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 utter coverage on my truck that was flooded and totaled in Fresh Orleans.

Does the at-fault driver with total coverage insurance pay for the other car?

%DETAILS% NoThe person who is at-fault is responsible for your damages. His insurance will pay for everything. Tow, rental, damages.

If you have total coverage and total your car will the insurance pay for another car even tho’ the one you crashed wasn’t paid off yet?

noNo, the insurance company has a responsibility to the lienholder very first, then you get the balance of the settlement based on the local market value of your car. Insurance companies are not responsible for purchasing you a fresh car and the settlement is based on the value of the car you had an accident in. The settlement is not based on what it will cost to buy another vehicle.

If you have comprehensive but not total coverage and an unknown object hits your car while in a parking lot will the insurance pay for the harm?

No. Sorry, it will be an “out of pocket” expense for you. Yes it will. Just discussed this with my agent. Collision covers your vehicle harm if you hit something else and Comprehensive covers harm if someone (or something) hits you.

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.

What if you have utter coverage insurance for your car and you have a single car accident and you have a suspended license does the insurance people still pay for it?

Reaction .
wrong side driving car was total harm * drank liqueds and drove the car it is also pay *

If your car was taken without your permission by a friend who then was in an accident you did not have insurance at the time will her total coverage insurance cover the cost of your car’s repairs?

Response .
Generally yes, her insurer should cover it, but ONLY in the example that it was driven WITHOUT permission. You must make that clear, and your friend must admit to that as well. Her rates may be hiked.

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Does your insurance pay for damages to your car if you have total coverage and someone living with you who had no drivers license took your car and wrecked it?

Reaction .
Probably not, most insurance companieshold the proprietor of a vehicle responsible for keeping the vehicle secured. Meaning even if the unlicensed driver took the vehicle w/o permission, the possessor should have made certain that such an event could not have occurred.

Can you get utter 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.

When your car is repossessed when do you cancel your insurance coverage?

The same day that you determine you aren’t getting it back. It would be wise to wait until then because if the bank repo’d it to kinda just remind you that being Three payments behind isn’t a good thing, you might get it back and then you don’t have to go through the entire insurance application process again. ResponseYeah for sure do not cancel anything until it is no longer in your name either. I’d wait until the title transfer is accomplish as well. ResponseYou should cancel your insurance the moment your car is repossessed.The moment the car is hooked up(as the above two repo morons will tell you)it is no longer your car.So if you would like to cover someone elses vehicle with your insurance you go right ahead but you are wasting your money and your insurance coverage.Dishonest repo guys(like the above two scumbags) want you to keep the insurance on the vehicle so if they harm the car or steal stuff from it it will go on your insurance. Response Amendment: Never cancel an insurance policy until you have a fresh policy in place. If you do it will cost you more in the long run. Insurance companies are looking for loyalty and longevity without lapse in coverage. Sometimes you can possibly suspend, cancel or reduce coverage but never cancel it. The moment the vehicle is repossessed does not release you from the contract agreement. Read it. In most cases until the vehicle is transferred out of your name via the title of ownership, you must maintain physical harm coverage or they can force place it and take the premium out of the proceeds. Reduce to minimum but don’t cancel it.

How can you get car insurance coverage without paying utter year premium after cancellation?

Will your utter coverage auto insurance pay for your car if you where drinking and driving and had an accident?

Response .
They’re pretty much obligated to do so, but recognize that you will very likely be dropped from coverage as soon as they detect the DUI on your record.

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 forearm 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. ResponseDepends. I think they may pay for it if you press charges againstyour son for theft. ReactionYes, obviously the youthful man would not have been a licensed driverand therefore not validly insured..
ResponseThe 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. .
ResponseA 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 total coverage?

Response .
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..
Reaction .
anything you do with the car or any one else but beware when claiming on insurance they will charge you more next time

If an unlicensed driver has an accident driving your car and you have total coverage auto insurance will it pay for damages?

Reaction .
Yes, but the rates will most likely go up. Loaning a vehicle to an unlicenced driver is risky behavior that insurance companies don’t generallly like.

Will your insurance pay for your car you totaled and it was your fault you have total coverage on your leased car?

Leasing .
This is sort of an educated guess, but I believe the insurance would pay the dealer and not you. I simply say this because when leasing, you never own the car, you simply “rent” it for a definite amount of time.

If you have a suspended license and total coverage insurance and get involved in a single car accident due to medical reasons will the insurance company pay?

Response .
Maybe, it will depended on the policy wording and exclusions, you need to turn the claim in for a decision.

Is a driver covered for rental cars if they have total 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. Utter coverage usually just means having liability, comprehensive, and collision coverages. Rental is something you pay extra to have.

How does total coverage insurance pay offs work?

Total coverage insurance will help you get your car immobile after ithas been wrecked. You can also get a fresh car if it has beencompletely totaled.

If a mother possessed a car with total coverage insurance and her 22 year old son with a license took it without permission and had an accident would it be covered?

In a Non Permissive use accident, The insurer does not cover harm or injury to another party, However harm to the vehicle being driven will likely be covered the same as if the vehicle was stolen and bruised.

Can a company stop paying health insurance premiums causing the insurance to be cancelled without notifying employees albeit employees are still paying for insurance?

No. I don’t have the citation off palm, tho’. If nothing else you’d very likely qualify for HIPAA.

If you have utter coverage car insurance and you have an accident and are killed does insurance pay settlement?

An unendorsed ISO Individual Auto policy should pay your “Part B-Medical Payments Coverage” Limit to an insured,which is a no-fault coverage. This is usually a low limit of 1,000 or Five,000 but can be enhanced. Uninsured/Underinsured coverage could pay bodily injury or funeral expenses you incur if the negligent vehicle doesn’t carry insurance or doesn’t have an adequate amount. Also, there are endorsements available that could indemnify after a death such as “Auto Death Indemnity”, which sounds like what you are needing.

Does total coverage auto insurance pay off a lien?

The insurer is required to compensate you at Fair Market Vallue. This usually will pay off any remaining financed note unless you greatly overpaid for your vehicle. There are times when you can owe more on the vehicle than an insurer is willing to pay. Nude in mind that it is not the fault of the Insurer if a consumer makes a vehicle purchase agreement in an amount greater than the actual vehicle value.

Do you need utter coverage insurance if your car is Five years old?

Total coverage requirements have nothing to do with the age of thecar. If you still make payments on the car then you still have tohave total coverage. If you own the car outright, then you do nothave to have it.

How can you get car insurance coverage without paying utter year premium after cancellation?

How much is utter coverage insurance on a fresh car?

The utter 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 utter coverage.

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If you have total 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

Can you buy liability insurance on a car that you are financing or does it have to be total coverage?

Auto Finance companies typically require the buyer to purchase”Utter 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 conform 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 total 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.

If I have utter coverage insurance but the car I was driving only had liability insurance will my insurance pay for damages?

Yes I think so since you were the driver. The insurance covers the driver and not necessarily the car.

Can you cancel term life insurance by not paying the premiums?

Yes, this is one option. You could write a letter to the insurance company requesting cancellation of your policy. Or, you could stop paying the premiums and the policy coverage would lapse and be canceled for non-payment of premiums.

You live in Michigan you had an accident with a leased car with full-coverage insurance and it was their fault Will they pay for your car to get stationary?

There insurance will cover the cost of repairs to your vehicle. This works with any vehicle even if it is a rental.

Can you cancel insurance coverage for an impounded car?

As far as yourinsureris worried, you may cancel your policy at any time. If your vehicle is being financed, however, yourlenderrequires that you maintain coverage forphysical harmto the vehicle at all times. Many lenders will require you to instantly pay off a vehicle that has been impounded. While your state has minimum requirements forliabilitycoverage, often you can capitulate your registration or submit a non-use affidavit and drop your liability coverage for an out-of-use vehicle.

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.

Does a insurance company have to pay for your stolen car if you have total coverage ins?

If by Utter 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.

Can you request reimbursement of unearned premium on a GAP insurance on your car one year after expiration because you left behind you had that coverage?

i recently traded in two cars with gap threw dealership can i getrefund o unused gap

How can you get car insurance coverage without paying utter year premium after cancellation?

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 total 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!

Can an insurance company make you pay the remaining balance on a policy if you cancel without notice and find other coverage?

In some states this permitted but not all. It’s best to check with your states department of insurance about local regulations.

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 total coverage for customers?

Yes. Ensleigh Insurance does suggest utter coverage. Granted, this will come at a pretty steep cost depending on your age, credit history, and type of car.

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What is the best car insurance for total coverage?

The best car insurance is based upon your private sittuation. It all depends on things like the size of your family, your budget and your driving records from the past. So there indeed is no ‘best’ car insurance.

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!

How do you get utter coverage car insurance?

In order for one to acquire utter 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

When to drop total 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 utter 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.

If a car has total coverage and someone else is driving the vehicle without a license will the insurance still provide coverage?

“Utter coverage” is usually interpreted as meaning that it is covered for both physical harm and liability coverage. When an insurance policy is purchased, among the factors that are considered by the insurer in accepting the risk is the make and model of the vehicle, the location at which it is principally garaged, the number of miles driven, and importantly, who will be the main drivers. Without question, any insurer will require that any driver of the car be licensed to drive. Therefore, the broad reaction to your question is, no.

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 utter 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.

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