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Does drive other car coverage offer personal liability to driver of company vehicle?
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If a vehicle is stolen and is only covered by PLPD will the insurance company pay for the loss?
You must have comprehensive coverage in order to recover on a claim from your insurance company if your vehicle is stolen. Liability only is just that, liability for your legal liability for damage or injuries to others.
Does your personal car insurance cover car rentals?
If you have adequate liability coverage on your own vehicle, this is one coverage you can always decline on your rental. Your personal auto insurance should extend to a rental car. A rental car most likely would be covered by Collision coverage or Liability coverage, depending on the state in which your policy is issued. For more information visit at: citivanservice.com
Can you lend your vehicle to your sister and transfer liability to her insurance company?
Not automatically NO. It depends on why you are lending her your vehicle. If your sister already has Full coverage or liability insurance and you are loaning her your car temporarily while her vehicle is repaired, undriveable etc. Then your sisters insurance policy will automatically cover a temporary replacement vehicle with the same coverage she has on her own vehicle, whatever that may be.
Does liability coverage cover the person driving and causing the accident?
Liability coverage offers coverage for bodily injury and property damage to the other vehicle and passengers who you hit if the accident is your faulty. It does not cover you or anyone in your vehicle.
Can your employer ask for your vehicle insurance to drive their vehicle?
Your personal auto coverage will not cover their vehicles. What they are probably asking for is to make sure you have coverage in case you drive your vehicle on errands or such for the company. If you go to the post office to get the company mail your personal auto insurance will be the primary insurance and then if they have an endorsement to their insurance called "hired and non-owned auto" it will provide secondary coverage over and above your coverage to protect them in case of an accident. Their coverage insists that you as the employee have primary insurance on your vehicle. Also note that the company insurance will not pay for damage to your vehicle.
What are the usual differences in a commercial vehicle to an everyday one?
A personal vehicle is one that is typically used by one person, either for personal or business use. A commercial vehicle is normally not used for personal use. It may be a vehicle used to transport hazardous material, or a vehicle in need of higher liability insurance coverage.
Insurance on 1985 peterbilt road tractor?
You would need to get quotes directly from the insurance company. As with insuring your personal vehicle, the insurance rates will vary dependent on the vehicle, and your own driving record. You will be required to maintain $1,000,000 of liability coverage, however - that part doesn't change.
Do you have to purchase full coverage auto insurance in Illinois if your vehicle is paid for?
You do not have to purchase full coverage auto insurance in Illinois if your vehicle is paid for. You do still need Bodily Injury Liability, Property Damage Liability, and Uninsured Motorist coverage.
What is cost of Hire for auto insurance?
This is the cost a company spends in a year on vehicle rental expenses. It is used to rate for hired Auto liability coverage.
Does your auto insurance extend to a rental car?
If you have liability insurance, you are covered, but only for liability. Liability insurance basically provides personal coverage for you while you are in a rental car. Your insurance company will cover any damages you cause to anyone else (property and injury) or any other vehicle, up to the minimum legal limits required by law or the limits on your policy,if different. It does not cover damage to the rental car. If you decline LDW at the rental counter and rely on your personal coverages, you probably would be responsible for paying your usual deductible if you were in an accident with the rental car. Also, a loss-of-use fee is not normally covered by personal auto insurance policies. And, personal auto policies that extend collision coverage to a rental car may only provide a coverage limit equal to the value of your own vehicle. If the value of your personal vehicle is less than that of the rental vehicle, you could still incur some damage responsibility.
Is there a Sr22 that will cover non owned company vehicle?
An SR22 filing would have to accompany your Personal auto insurance policy. Personal Auto insurance "never" provides coverage for a commercial company vehicle with or without an SR22 filing.
What is the best insurance for a commercial vehicle?
The best insurance for a commercial vehicle is a comprehensive plan that provides not only liability coverage, but also includes coverage for cargo, and the vehicle itself.
