More info needed do you mean for a test drive? If so do you have a vehicle/policy? if so it will transfer to this vehicle you are test driving. If this is not the question please be more specific and I will attempt to help more.
What kind of insurance policy would cover your car in the event it is hit in a parking lot?
%DETAILS% That would be comprehensive coverage. Anonymous is wrong! It would be collision. It doesn’t matter if the vehicle was occupied or parked. If something on the ground collides with your auto it is a collision claim. If your car is hit, then, yes, collision insurance covers it, but the *other driver’s* collision. In the event that the other driver does not have or does not have enough collision insurance, you will need uninsured/underinsured motorist covered to pay for your loss, which, by the way, also pays for your loss if your car was hit in the parking lot and the other driver took off (i.e., hit-and-run). Comprehensive coverage will take care of this in NY. VandalismI am a experienced agent for a large company, if the driver does not turn himself in to you it would be covered under the comprehensive portion of your contract. (and would be considered vandalism).if the driver stays and his company pays the expense it would be covered under collison on his policy.
Does a business’s insurance pay the claim for customer cars vandalized in their parking lot?
No. Your own carrier would need to pick up the harm under your comprehensive coverage. Most public paring facilities are not monitored or secured and usually have signs posted waiving liability for theft or damages. If those signs were properl posted according to local ordinance, it’s very unlikely you would have a valid claim against the property possessor. As you can imagine, in any parking used by a lot of people, the possessor of the business would be hard-pressed if he/she was responsible for all the harm to vehicles that occurred in that parking lot. Usually, a business would be responsible for damages to your vehicle only if your vehicle was in their care, custody and control (for example, you dropped your car off to have the brakes done). At that point, the business holder has some responsibility because you’ve transferred over the car. As for the movie theater, you used your car to get there, park, and leave. The movie theater has no legal liability in how you used your vehicle, or what happened to it while in its lot. The liability falls to the person who vandalized your car, and unluckily, the chances of locating that person are few. The businesses insurance should be picking up the claim if the business takes in revenue for the parking as this would create a bailment and the parking garage, valet service, etc would have some liability. Most of them disclaim all liability however and it may say that on your ticket. Normally the best way to treat this claim would be to submit to your carrier and provide them all the info. They may pay out on it subject to the deductible on your comprehensive coverage, or they may sue the parking lot company if they believe they were somehow at fault for the vandalism.
What do you do if the insurance for a totaled car does not pay off the car loan?
I faced the same thing about a year ago. The insurance company did not want to give me what was needed. I got on-line and found many cars that were just like mine and showcased them that my car was worth more than they were wanting to give me. They still did not want to give me what the car was worth. So I went to petite claims court and filed suit on the driver of the other car. The person’s insurance has to represent them. Also go and look at the comps that the insurance company are using for your car to see if you can substitute the car for what they want to give you. ResponseUltimately it is your responsibility that you either made low payments, took out a very long loan, or picked a car with high depreciation. The insurance company is not liable for the inflated amount you owe–only what the car is worth. ResponseThe insurance company will only give you the value of the vehicle, as per the “Kelly Blue Book”. They will also send an appraiser out to see what the condition of the car was, as in mileage, any previous harm. If the accident was another driver’s fault, you have to sue him and/or his insurance company for the remaining balance.Whatever you borrowed to obtain the vehicle wil always be more than the car is worth. You have already lost money on it as soon as you drove it off the car lot. But do your research. Go online for “Kelly Blue Book”, and get the estimate of the car’s value. If it is more, then dispute it with the insurance company. Print the page out. ResponseWhen you bought the car fresh or used from the dealer you had the option to purchase something called GAP INSURANCE from them (the Dealer, not the insurance company) for your exact situation. If you did not have enough equity in your car for the insurance pay off to cover it AND did not have gap insurance. basically you are screwed and responsible for the rest of the loan amount car or no car. Some people believe Gap insurance is a rip off so they do not suggest it to you and some just don’t know what it is. They do not need to be selling cars. Not fair but the way of life. Father is an insurance sales man. I also had a chick hit me I had GAP insurance and she did not. She still had to pay off the balance on the loan even tho’ she did not have the car. The courts won’t do much because you had the option to purchase gap insurance and you did not, it does not matter that you did not know.
If your son had an parking lot accident while driving your car without insurance are you liable?
More than likely you both can be held liable. Since you both were aware the car was uninsured. Depending on the laws of your state you may end up with fines and penalties also. It also depends whether your son was driving the car with your permission and whether your son is a minor. (Yeses make you more liable, noes less so.)
How do you find out if insurance will pay the car off if your spouse dies?
It is unlikely that a car loan has death benefits stipulations included. The best option is to contact the insurer and the lender ask about the terms of the loan agreement and the insurance policy. Or simply read the original agreement made with the lender and your auto insurance policy. Actually, it’s not at all unusual for a car loan to have Credit Life and Disability linked. The lenders make a lot of money on these policies and I have never gotten a loan where this was not suggested.
In Georgia If the amount of Your car is paid off but they added a lot of money for insurance purposses can they take your car if you don’t pay for the insurance?
READ your contract. IF you have already agreed to the lenders conditions of ins. coverage when you signed it, YES, they can do so.
If you buy a car and there is a lien on it but the car lot goes out of business how do you get the lien off of it?
Contact the entity that loaned you the money to buy the car, be ita bank, loan company, etc. If the selling dealer personally loanedyou the money then you need to speak to your local DMV and see whatyou need to do if you cannot contact the seller.
Can you take your car off the repo lot?
At that point it would be considered automobile theft. The car isn’t yours any more once the Repo stud gets it. The lending institution has already taken activity before they pick up the vehicle. Reminisce when you use a vehicle that is held as collateral for a loan, you do so with the agreement that you will proceed to abide by the agreement of the loan and that while you have some rights regarding the vehicle, the lending institution also has rights. When you fail to meet the requirements the lending institution can have your rights to that vehicle terminated. Once the lending institution takes posession (through the repo company) you no longer have ANY rights to the vehicle. Stay away from the vehicle that was PREVIOUSLY yours. If you attempt to take it back you could go to prison..
if you have decently redeemed it, yes. Any other way would be theft..
If you are good and quick.
Good, quick, and don’t mind spending 6-24 months in jail!!!.
On what evidence???? .
I don’t know, maybe the fact that the car was repossessed and is now sitting in your garage?
Can you drive a car off the lot with a deep-throated head gasket?
The reaction is Yes, The car will run and drive but here are a duo of examples of what is happening. Blown head gaskets permit anti-freeze coolant to flow into parts of the engine it shouldn’t.If the coolant is going into the piston cylinders the car will smoke a lot. If it is going into an oil passage it will turn you oil into a milk like state. Lastly the bad gasket may just permit the anti-freeze to leak out of the engine onto the ground. In all cases the car will drive but not for long.
If you buy a utility trailer from a dealer do you need to insure it before you take it off of the lot?
In my state the reaction is no, as the trailer is covered by your auto insurance. Contact your insurance carrier to find out about your state.
My gf canceled my insurance and called the car lot My car was repossessed to get the car back they want to be paid off in total what are my legal rights do I have any options?
If you owed money on the car (which is very likely why it was repossessed), you need to pay what they request. Check the paper you signed when buying the car if you think they are ‘requesting’ something different than you signed..
Your gf was brainy to cancel the insurance, since a repossessed car does not need insurance..
You cannot sue your gf for calling the car lot, or for cancelling the insurance, because you cannot showcase DAMAGES to yourself.
Are car insurance companies tearing off the public?
By and large the response is “No”, Most insurers in the U.S. are reputable companies and provide an significant service too the Motoring Public..
Insurers use complicated formulas and historical data to make projections and to determine probabilities of losses. The general public having little or no practice with such probability calcualtions involving the law of large numbers, risk sharing and risk assessment can often have a perception that they are being treated unfairly. In most cases this is not the case..
Bear in mind that all the U.S. states have insurance regulations and very competent oversight in place for the protection of consumers.
If someone hit your car in a parking lot and filed a police report does their insurance pay?
if they are the ones that hit your car then yes, they or their insurance are the ones who have to pay.
Can you rework a fresh car contract once you signed it and drove the car off the lot?
In most states, a person has Trio days to switch their minds aboutbuying a car. You can take the car back to the lot and ask to redothe paperwork in these Trio days. After the Three days, you can’t changeanything.
If you are in a car accident and the car is totaled does your car loan get paid off through insurance?
Not unless you have the fresh option in insurance of the fresh car replacement. If your car is totaled, you will be paid the Blue Book price for your vehicle. This sum is the amount your vehicle is worth at this time. Any amount over this sum that is still owed to a car loan is still due.
Can you drive a car off the lot with a permit?
no they might ask you for your drivers license if they dont than my word to you is just dont get cot with the police. driving down the road.
After you’ve signed the papers at an auto dealership and driven the car off the lot the finance company wont cover you for the loan and the car gets totaled and its insured who pays for the vehicle?
Next time you post a question, read it over before hitting “save” (your question is a little hard to understand). Once you sign the papers for the car, it is yours. If you get in a car accident and the car gets totaled, the insurance company for the at fault driver is responsible to pay for the “fair market value” of the car. If you are at fault and you have collision, your insurance company will pay you fair market value less the deductable. Please be aware, if your loan was for Ten,000 but your car is truly only worth 8,000 then you will be stuck paying the extra Two,000 (unless you purchased gap insurance from the loan company)
When does insurance company write off a car?
This may depend on the insurance company. Some insurers writes off a car when the harm estimate is Two/Three the value of the car. The reaso they do this is that the actual repair costs usually are higher then the very first estimate. ReactionActually, it is often a question of state law. Many states require that an insurance company proclaim a vehicle to be a total loss when the cost of repair exceeds a given percentage of the actual cash value of the car. The actual cash value is approximately the market value of a car of like, kind and quality as the subject vehicle, instantly before the collision. The reason for this is primarily the fact that the bruised vehicle is most likely no longer safe to drive. In comeback for paying the “total loss” value of the car, the insurer gets to keep the salvage, and thereafter usually sells it to recoup some of its payment. In other cases, the insured opts to keep the salvage, perhaps for parts, or perhaps to rebuild the car. In that event, the insurer deducts from the payment to the insured the anticipated salvage value. If the car is rebuilt, it has to be retitled, this time with a “salvage title”. This protects any later buyer by notifying him/her that the vehicle was at one time in a serious collision.
What if my car was totaled in an accident the insurance pay off the debt?
Only if you carried GAP insurance will it pay off what you owe to the Lienholder. If not then they will only pay what they valued your car to be worth which may or may not be enough to pay off the loan.
Do used car lots require any kind of insurance?
yeah.. its called garage keepers insurance. The cost depends on how much inventory you have.
Can you back out of a car contract after driving the car off the lot?
I bought a used car on friday, the car has more problems than I was aware off
Im going to pick up a car i just bought from the dealership but my insurance policy does not commence until the day after. Will they let me drive my car off the lot if I have my proof of insurance.?
Most likely no, but a elementary call to your insurance agent they should be able to lightly switch the effective date of your policy.
In TX can you take the car off the lot with no insurance?
It is your responsibility to make sure the vehicle you are driving is insured. Just because a dealer permits you to leave the lot without insurance does not make you any less liable for any harm caused in an accident. In every state, except NH and WI, you are required to meet certain financial responsibility laws, the easiest way to do this is to buy car insurance.
Does homeowners insurance cover a car stolen off your property?
No, Never. An auto theft would have to be covered by the vehicle owners comprehensive auto insurance policy. A homeowners Insurance policy is not liable for the theft of a vehicle. that’s what Auto Insurance is for. If an Auto Proprietor chooses not to purchase a Comprehensive auto Insurance Policy then they assume the risk of a total loss in the event of a theft. The vehicle possessor can not seek to shift liability to another person simply because it was on their property when the vehicle was stolen. If this were the case then every time a car is stolen from the parking lot of a store or shopping mall people would expect that business or property holder to pay for their loss.
Drive a car off the lot but dont qualify for the financing?
If you do not qualify for financing then you will be required to make a larger down payment, and also have a co-signer.
Why do teenagers pay a lot more for car insurance?
because statistically junior drivers inbetween the ages of 17 and 25 are more likely to be involved in an accident. Also you earn no claims discounts for the number of years you’ve driven with out making a claim.
In NC my car was hit in a parking lot will my insurance go up if I turn it in?
Depending on what type of insurance you have, it may. Gieco: NoAllstate: NoProgressive: Yes
Driving a car off the lot with no drivers license or insurance?
no it is against the law for an unlicensed and uninsured driver to purchase and drive a car off the dealer’s lot. The dealer will be held accountable, if this person has or causes an accident that takes someone’s life.
Do you still have to pay your car insurance if your car is off the road?
I have taken my caroff the road for the winter. Do I still need to pay insurance
Who is liable when car a leaving out of parking lot backs into car b that is behind car and car b has no insurance and no license?
Parking lot accident are the most awful claims to deal with. Unless you have witnesses or movie of the accident. It is a case of he said/she said. Since all parking lot of private property, it is not a policy issue either. Most of these cases end up being a 50/50, 60/40, or 30/70 type of at fault claim. If you are ever involved in an accident in a parking lot, find witnesses and get their information! Also, check to see if there are cameras in the lot and get footage of the incident.
If your car is totaled do you still have to pay off the insurance policy?
No, simply because there is nothing to be insured any more, your car is gone.
When you finance a car do you have to have insurance on it before you drive off the lot?
Absolutely! The dealer is not supposed to let the vehicle out of the lot unless proof of insurance is shown.
What happen when you pay off your monthly car insurance?
If you would like it to proceed then you should make the next monthly payment.
Do you need insurance on a used car from a car lot?
Most states require insurance on every car, and if your car is financed then the finance company may require total coverage to protect their loan.
Can a car dealership permit you to drive a salvaged car off there lot?
Yes they can permit you to drive any of their vehicles off the lot. It’s truly their call.
Can you take your dependent child off your car insurance policy?
If he lives with you then you may not be able to. If he has moved into his own residence, then you should be able to.
Can you get out of a car contract if you have driven off lot?
I believe in US, Canada and possibly UK, you are permitted a brief period to switch your mind.
Can you drive a car off the lot with sr22 insurance?
An SR22 isn’t a policy or a coverage. It is a notification to the state that you have coverage.
Can you tell the insurance not to write off the car to avoid taking out a fresh car note?
Not truly. However, what you can do is ask the insurance company if they will permit you retain the vehicle after the settlement. If they permit you to do that, you can get the total loss settlement (minus the salvage value of the vehicle) and you get to keep the vehicle. It’s not that plain tho’. Very first of all, if you have a lien holder, they would have to sign off on letting you do that and if you owe more than the car is worth, don’t count on that happening. Secondly, do the math and figure out if keeping the vehicle is worth it. If after deducting the salvage value, you receive $Five,000 and there are $Four,000 worth of damages to the vehicle and the insurance company is announcing it a total loss, it might be worth it to retain the vehicle and pay to fix it. However, if the damages are over $Ten,000 and your settlement is going to only be $Five,000, it’s not worth it.
Is it possible to back out of car sale after you have driven it off the lot?
No, not unless the selling dealer agrees to it. Once you buy a car it is yours and there is no cooling off period or buyers regret law covering the purchase of an automobile. Once you buy a car you own that car and if the car was fresh it is now a used car worth way less than when you left the lot with it.
Does gap insurance still apply if your car is paid off?
It will depend on the type of gap insurance you have. Finance gap insurance would expire as there is no finance to cover but comeback to invoice and vehicle replacement would still carry on until the end of the policy or a claim is made.
What to do if you buy a car AS IS and is dies off the lot?
If you buy a car AS IS and it dies after you close the transaction, you are stuck with the repair costs, etc., unless the seller chooses to be nice and help out or you can prove fraud.
Is car contract roping if car isn’t taken off the lot?
It depends on where you are. A few states in the U.S. have what is referred to as a “cooling off period” but most states do not. In most U.S. states, as soon as you sign the contract, it is cording.
Can you insure a car that’s classed as a write off?
After you repair it, get a salvage title and it’s deemed road worthy again. but your experts at insurance company determined it will cost more to do that than for you to buy something comparable.
Is it legal for a car dealer to let you drive off there lot without insurance?
Not onto any public roadway, it isn’t. When you go for a testdrive, the car is insured by the dealer. Once you sign thepaperwork, you must have your own insurance on that vehicle.
What does insurance cost for puny car lot?
Depends on the state. Each one requires different amounts for a car dealer. Check with dealer licencing department for your state. This would typically be treated by the department of revenue for your state.
How can one insure they get treated fairly by a used car sales lot?
There is no foolproof measure to avoid being taken by a used car salesman. But there are ways to know exactly what you’re getting. Very first and foremost, shop around for the vehicle you want, specifically by make, model, and condition. This can be done at Kelley Blue Book. Once that has been done, if possible, bring a friend or family member with real car practice to help you look at the vehicle. Those two things will certainly help.
Can you cancel your 17 year old off your car insurance?
If the insurance company agrees you can sign an exclusion which would be a legal document stating that you will not permit your 17 year old to drive any vehicles in your home or possession and that if they do drive such a vehicle you agree that the insurance company is in no way liabile for any harm done and that no coverage applies from your insurance policy.
Can you take granddaughter off car insurance?
Does Granddaughter not live with you anymore and not drive vehicle ever? If Granddaughter has moved into her own house and never drives any of your cars then yes you can drop her from your insurance. If she is still a member of your household or drives any of your vehicles then no you cannot taker her off your insurance.
What insurance covers pay off on car in case of death?
This is not auto insurance but life insurance. What you need iscredit life in conjunction with your auto loan.