1. The engine is getting too hot. That is what the fan is for, to cool it down.
2. An electrical fault causing the fan to be on when not needed.
As for the causes of 1 & 2...
1. Failed head gasket, stuck thermostat, failed water-pump, blocked pipes, low coolant level, faulty radiator... And many others.
2. Stuck fan-switch, stuck relay, damaged wiring, Someone modified the car to make the fan on all the time... And others.
While your car is running the engine is heating up. While your driving you have air being forced over the radiator cooling it off. When you are sitting still you don't have that air so your engine is heating up even more so the cooling fan comes on to help cool you engine off. Via cooling the radiator.
If the car is fitted with an electric cooling fan, this may have failed. A car moving will normally get enough air to keep the radiator cool. I have known a water pump to be faulty, where the vanes have become detached this causes lack of flow in the cooling system.
fan stays on when car turn of
your cooling fans are not kicking in. They make have clutches that have gone bad. they need to be replaced. Also check the themostat
car starts but shut off while driving
the ignition switch could be bad
There are different types of light. Some you have to turn on, some they are automatic light (they turn on right when you start the car)
Insurance stays with the vehicle, the policy that insures the 'at fault' vehicle will have the rate increase should there be one.
typcially , ''insurance stays with the car'' meaning the insurance on the vehicle would be primary..........
The brakes are the primary cause of stopping a car whilst driving.
Only blows cold air with the a/c on while driving, your cooling fan or fan clutch is bad depending on the year, make and model.......... Only blows cold air with the heater on while driving, you will have a bad or broken internal a/c - heater control door.....
Your car lost power while you were driving and it will not start now because the battery is depleted.