According to Esurance, insurance coverage follows the vehicle, not the driver. If the owner of a vehicle allows a person to drive a car whom is not listed as a driver on the insurance policy, the vehicle owner risks liability in the event an accident occurs.Know More
According to Esurance, an uninsured driver should not be allowed to drive the vehicle. If an accident occurs, the vehicle owner can be sued for damages in case of an accident.
If a car is often borrowed by an uninsured driver, the driver needs to be added to the vehicle policy to maximize protection. Also, the vehicle owner must verify terms and conditions as it relates to drivers with the insurance company. Vehicle registration and insurance verification must be stored in the vehicle at all times, Esurance advises.Learn more about Vehicle Insurance
When a leased vehicle is a total loss, the insurance company determines its cash value and pays that amount to the lease company. Unless the individual leasing the vehicle has gap coverage, he is responsible for any difference in the amount insurance pays and the terms of the lease.Full Answer >
When a customer pays a monthly premium to activate a new policy, rather than giving the provider a large payment for several months of prepaid coverage, that customer is enrolled in a policy without a down payment. Insurance companies set their own guidelines for down payments.Full Answer >
When a driver does not own a car but needs to insure it, one option is to buy a non-owner's car insurance policy. If the person insuring the car lives in the same household as the owner, another option is to list the owner as a driver on the policy.Full Answer >
To find out if another driver has car insurance, the interested party simply needs to ask them. At this point, the driver can provide the interested party with their name, policy number and the name of their insurance company, and the interested party can call the insurance company directly to verify the other driver's coverage.Full Answer >