Of course they are. They are attempting to keep you from lounging to them and providing them false information. There is a computer system that insurance companies use to help them find unlisted drivers. It searches for people who were drivers on a policy with the applicant before or those who had the same address as the applicant. This helps them to find possible people who should be listed as drivers on the insurance policy. On your application it specifically asks you to list all household members and/or those who drive any vehicles you own. This helps them to identify these people. If the people live elsewhere and have their own insurance they can ask. If you write out a statement that says they don’t live with you any longer or any other explanation and don’t tell the truth, the company will deny a claim when they later have a wreck in one of your vehicles and are not listed as a driver.
Can you drive a family members car if you have the same insurance company?
Sure, you can drive the car. It doesn’t matter if you’re registered or not. And because you are an insured driver, that makes it even better, even if you’re not insured to drive that car. Having the same insurance isn’t the issue. The issue is whether or not your state goes after a “family doctrine purpose”, which covers anyone in the immeadiate family regardless of who is driving, or goes after an “ownership statute”, which extends the priveledge to anyone driving the car with permission of the insured holder.
Does one need auto insurance to drive with a learner’s permit in Fresh Jersey?
Insurance and Learners permitsYes, All 50 U.S. states require that a driver carry the appropriateFinancial Responsibility. There is No exception of law in any U.S.state for a learners permit. A Drivers or Learners “Permit” is permission to drive and thereforea makeshift license with certain limitations. You can obtain your own insurance or you can be covered undersomeone else’s policy such as the vehicle owners or your parents orlegal guardians insurance policy but you must have coverage. If you are a minor then you can still obtain auto insurance, butdue to contract law your parent or guardian will have tocountersign the insurance application. It’s almost always cheaperto be added to your parents policy. A Drivers Permit comes with allthe responsibilities of anyone who operates a motor vehicle onpublic roads, including your financial responsibility. More answersSome Insurance companies have underwriting guidelines that do notrequire the insured to schedule a freshly permitted child of theinsured on the policy until after they have graduated from thelearners permit to a total license. This has led many people toerroneously assume that this is a matter of law when it is not, Itis simply the policy of that particular company not to charge youwhile your child is learning. Most companies require that alldrivers be scheduled within 30 days of licensing or permitting. SoMake sure you check with the insurance company very first. In Texas a dealer is required by law to verify that you haveInsurance before you can drive the car off the lot. The law doesnot require you be over Legitimate, only that you have the properinsurance. Drive safe – Buckle up. Auto insurance You would need insurance if you are operating the vehicle on publicroadYou can lose everything you have if you have an accident and arenot insured. The other party can obtain a judgment which can followyou for years or your parents if you are a minor. Other Opinions When our teenaged boys received learner’s permits(the last in 2007) the company told us they were covered under ourpolicy. We did not have to add them to our policy until theyreceived drivers licenses at age 16. Other companies may havedifferent policies. Your insurance company can provide definitiveanswers.
Can you have a family member eliminated from your auto insurance policy?
Yes, you can. Just reminisce that if that person does drive the car (maybe to take you to the emergency room) you will have NO coverage.
Is there an auto insurance company in Fresh Jersey that offers makeshift insurance?
What you mean by improvised, if it’s six months some companies can insure you, I suggest you view offers from different companies in your area.
Are you permitted to choose a repair shop for insurance work in Fresh Jersey or must you use one approved by your insurance company?
Most major insurance providers permit you to choose. They have their claim rep. look over the harm, make the assessment and write you a check. That’s the amount you will be paid, you can appeal it, but that’s a lengthy and not always positive process.
What is the number of points you are permitted to have before insurance companies deny your claim for auto insurance?
The number of points have nothing to do with an insurance claim..
If you are asking about a company refusing to give you auto insurance, it depends on your state and the individual insurance company. For example I have received reports of one company refusing to renew any driver with a 20mph over the limit ticket..
Does Fresh York permit spouses to have separate auto insurance policies?
NY and Auto PoliciesYou can have separate policies, but most of the time, it is cheaper to be on the same policy. A NY Insurance Company will ask the question of being married, and if there are other licensed operators in the household, regardless of if they drive the car. It is always said that if there are others in the household that they do have access the the vehicle (last car in the driveway theory). If you commit fraud, you can be denied a claim.
Does a parking ticket affect your auto insurance in Fresh Jersey?
if you dont pay it and get suspendedyes it will affect you insurance
Is it legal for an auto insurance company to not permit you to take a car off your policy?
I know that in Canada, the insurance company cannot say you have to keep a car on the policy, it is your choice, however they may notify any lienholder or financial institution that you may owe money for on the car that you have deleted it.
What is the best auto insurance company?
“Best” is often a function of one’s practice with the company. There are many very fine auto insurance companies-some big and some petite. The manner in which claims are treated is often the way in which consumers judge insurers. Not all insurance companies write business in all states. It is critical that you deal only with a company that is licensed (“authorized”) to transact business in your state. You can determine this by contacting the State Insurance regulator in the Capitol of your state. To name a few, some reputable auto insurers include: State Farm Allstate USAA Progressive GEICO FarmersThere are many others. You would be well advised to consult with a licensed agent or broker in your area.
What auto insurance companies permit 17 year olds to get their own insurance?
Almost every auto insurance company requires your parents to signyour policy or for you to be listed under theirs. There are noknown insurance companies who will insure a 17 year old bythemselves.
Are auto insurance companies in Canada permitted to raise rates because of an accident?
Yes they are, and the majority of time that is when they will raise rates, especially when you are at fault. If you were at-fault for the accident and had to make a insurance claim, then your rates will undoubtedly increase, since you are a higher risk driver, and the insurance company had to pay out because of you. If you are in an accident that you were not at fault, then your rates should not increase but they might. Some companies again see this as you being a higher risk driver since you were in a accident, even if it wasn’t your fault, so they will raise the rates. If this happens, I recommend switching insurance companies, as a good company should not do this. In either case your rates will not increase until your insurance is up for renewal. At which point, if they do increase I would recommend looking around and comparing prices from other companies
If you have a Fresh York state drivers license but live in Fresh Jersey can you get auto insurance in Fresh Jersey?
It depends on your insurance company. Many will require a copy of your license and driving record before they insure you. This is an anti fraud measure which commenced after 9/11. By law you have 30 days to secure a fresh drivers license when you stir to another state. If you do not you are taking a chance hefty fines should you get into an accident or other situation where this would become evident. Brief reaction is no, but why would you want to do this? NJ has the highest insurance rates in the nation. As screwed up as NY is, insurance is cheaper, especially upstate. It has been my practice that you should never lie about where you garage your vehicle. Should a claim arise it could give the company grounds to deny the claim, and that would suck.
How much time do you have to report a fresh auto to your insurance company?
It depends when you would like your auto to be covered in case of an accident. Would the coverage be the same as with your old car?
Can a insurance company back date a auto insurance policy?
No , the reason is that there could have been an accident or any other situation. An auto insurance policy must be in force it cannot be back dated.
Can you have renter’s insurance with a different company than your auto insurance?
Yes, you can. However, you may want to shop around since many companies will give you a discount when you have numerous products with them. Also, should you have an event that involves both, then you have to only deal with one company.
Can you have two auto insurance companies?
Any individual can have two different auto insurance companies ifthey have more than one vehicle. If you find that rates are lowerwith one company for one vehicle and lower for the other withanother company, you can carry two separate insurance policies.
What auto insurance company has the cheapest sr22 insurance?
I’m a high risk driver and also need an SR22. The cheapest rates Iwere able to find (after much research, mind you) were fromInsurance Panda. I’m paying just over $50/month for coverage. Hopethis helps.
Why a family member is resticted in auto insurance?
Some insurance companies will require policyholders to sign a driver exclusion for family members if you claim the individual does not drive your vehicle. If the insurance company has previously paid a claim for an unlisted driver, they may require that you list the driver on your policy or sign a driver exclusion that restricts that driver from driving your vehicle. If a resident of your household has tickets and accidents and is not rated on your policy, the company will require a driver exclusion to prevent enlargening your policy if they are rated.
Does auto insurance go after the car of the driver in fresh jersey?
Primarily the auto insurance policy goes after the car. Secondarily it covers the driver should he be driving an uninsured vehicle or to cover him on a borrowed vehicle. There are some confinements based on primary vehicle replacement and other situations. Read your policy for specific information.
Why do insurance companies ask about the driving record for members of your household?
To know the driving history, including traffic violations and arrests and convictions for driving related incidents.
What insurance companies look for when applying for a fresh auto policy?
Premium determination comes from a multiplicity of information. They will want to know the private information on the drivers (driving history, claims history, age, length of time licensed), information about the vehicle (type, repair history, claims history and safety features), as well as the location and use of the vehicle. I hope this answers your question.
Where can you ask a question regarding auto insurance?
Right here. Generic questions will be answered fairly quickly. More specific and individual ones may take longer.
Do you have to add licensed non family member living in your home to you auto insurance policy?
No. If they are going to drive the family car you can, if the insurance company permits it, but they should truly have their own insurance.
What companies have the cheapest auto insurance?
Progressive Auto Insurance is by far the cheapest auto insurance I have personally found for myself. They give you special savings and discounts for signing up online which can save you tons of money!
Which auto insurance company is the best?
The best auto insurance company is state farm. but this is just my opinion. You may find that the best for you is all state. it is truly just a matter or preference.
Do most auto insurance companies have scooter insurance?
Yes, a lot of auto insurance companies also suggest scooter insurance. You should check with your auto insurance company to be sure that it carries scooter insurance.
Is AAA an auto insurance company?
AAA is an insurance AGENCY. Not an Insurance Company. The AAA insurance company is now possessed by a Spainish Insurance Company named MAPFRE.
Is Geico an auto insurance company?
Geico does suggest auto insurance through their website and information on how to contact them with questions.
Which insurance companies suggest auto insurance comparison?
Most companies suggest some form of comparison, however the major insurers Geico, Progressive and Allstate most undoubtedly suggest the service.
Can a auto insurance company ask for proof of repair from hail. from Two years ago from a different insurance company?
As to auto insurance, the insurer will not suggest physical harm coverage on a vehicle that presently has harm. And they surely should not have to pay for a claim that was already paid for two years ago. Insurers may have access to a centralized claims registry, at least as to claims that resulted in significant harm and therefore, excellent repair expense. A fresh insurer is not responsible for harm that occurred before its policy went into force. Therefore, it will want to know the condition of the property as of the effective date of its policy. This is usually done by having an inspection of the property done, usually at the insurer’s expense. Part of that inspection will likely involve questions about prior harm. It is significant to be truthful in the answers. The insurance company bases its decision to insure and the premium that it charges, based on its assessment of the risk. This includes these kinds of questions. If the answers are not truthful, the insured runs the risk of the insurer canceling the policy based upon “material misrepresentations”. A material misrepresentation is a misrepresentation that the insured relied upon to its detriment by issuing a policy that it would not have issued, or charging a premium lower than it would have charged had it known the truth.
Are US customs permitted to ask for proof of insurance?
Maybe. You must be more specific and give an example. The US Customs Service is charged with the enforcement of ALL KINDS of laws that cover MANY areas.
If I lease my car to my fiance to be on his insurance policy as a member of the household and need a notarized letter for proof will his company accept me without insurance and does that matter?
Very likely, some companies only require that you have care custody and control of the vehicle in order to be the named insured. Other companies require that you be the registered proprietor. The problem that arises is that the finance company usually wants to have the evidence of insurance be in the name of the person responsible for the loan. If you are the named insured but not the name on the loan then the loan company may require that the person on the loan also be on the insurance policy as a named insured. The best way to do this is to have the person that possesses the car get the insurance and list you the driver as the principle operator.
Is safe auto insurance a real insurance company or a scam?
I have insurance with State Farm and pay by monthly deduction sincethat fits my cash flow best. Every month I get a call from SafeAuto telling me that my coverage has lapsed. I consider thisharassment but cannot find any way to contact Safe Auto to sak themto cease and desist. If I can’t talk to a real person I have doubtsthat this is a ‘real’ company. They certainly will not be myinsurer.
Is there an auto insurance company in pa that will permit me to exclude my hubby from my auto insurance policy?
I’m sure there are several auto insurance companies that will permit you to exclude your hubby. You need to know what exactly this means. It means that if he drives one of the vehicles on your policy for any reason at all that there will be no coverage provided by your policy. In exchange for this exclusion you will not be charged anything based on his driving record. Recall that it makes no difference if you get back together for a weekend, if there is an emergency and he drives you to the hospital, if his car is ripped up and you let him borrow it, there is no coverage until after the exclusion is lifted by the insurance company. You do not have the authority to lift it yourself, only the company can. If you still want to do this I recommend that you go see and independent insurance agent who represents many companies and let them search for the best rates and coverage of companies for what you want.
Is there an insurance company by the name of NJ auto insurance?
Yes there is an auto insurance company by the name nj insurance that is flawless for local residence of fresh jersey. You can visit their online page for more information on an insurance quote that is just right for you.
Where can one get fresh auto insurance?
Fresh auto insurance can be obtained from any property and casualty insurance company that offers auto coverage. To purchase insurance, one can contact the company through a licensed agent, by phone or through the internet either using the company’s website or a broker that offers quotes and policies for numerous companies.
What are some high risk auto insurance companies in Fresh Jersey?
If one is looking for high risk auto insurance companies in Fresh Jersey, one could attempt the Fresh Jersey Manufacturers Insurance Company. The IFA Auto Insurance is also worth a look.
What companies suggest auto insurance in the city of Fresh York?
There are many insurance companies that suggest auto coverage in the city of Fresh York. Some big named companies include State Farm, Allstate, and Nationwide.
What is the purpose of a company auto insurance?
Companies who offers car fleets to their employees should very consider getting auto insurance. This means that if anything were to happen to an employees car, the cost would not put strain on the company.
What companies suggest auto insurance?
The following companies suggest auto insurance: AAA, 21st Century Insurance, Nationwide, Progressive, State Farm, Allstate, Esurance, and Liberty Mutual.
Which reputable insurance company can suggest cheap auto insurance in Fresh Jersey?
The reputable insurance company that can suggest cheap auto insurance in Fresh Jersey is none other than IFA Auto. IFA Auto is one of the most reputable auto insurance companies for Fresh Jersey.
Where can I find cheap auto insurance in Fresh Jersey?
Inexpensive auto insurance in Fresh Jersey can be found at Statefarm, Progressive, The General, Liberty Mutual, Allstate, MercuryInsurance, Geico and Plymouth Rock Insurance. You can also use auto insurance comparison websites like Insuroxwhere you can compare Norfolk & Dedham, Progressive, Travelers,Mercury & Plymouth Rock side by side.
Who controls auto insurance companie?
Auto insurance companies are managed by a board of directors if they are a corporation which most of them are. They would also have a president or chief financial officer and other officers needed for their operation. If this is not what you mean perhaps you are asking about regulation which would be separate in each state of the United States. Each State will have a regulatory agency that regulate auto insurance companies such as a State Department of Insurance.
Who controls auto insurance companies?
Insurance companies are managed by corporate officers and a board of directors just like any other company. If they are a mutual company they are still managed by company officers. Insurance companies are regulated in each state by the Insurance Commissioner and the Commissioners Office. Depending on what state you live in the title of the regulatory agency may be different but all states have a agency that audits insurance companies. Companies can get in just as much trouble for over paying claims as the can for not paying claims that they should have paid.
What companies in Fresh Jersey suggest commercial vehicle insurance?
NJM Insurance Group and Progressive Commercial are two of the companies in Fresh Jersey, U.S.A that suggest commercialvehicle insurance. In 2012, NJM had $53.7 million in written premiums.
Can your employer ask for your private auto insurance to operate company vehicles?
Yes and no. They are not asking for your individual insurance to have it cover their vehicles. What they are asking for this insurance information is because as you may use your private vehicle to run an errand like go to the post office or such. Their insurance carrier most likely requires this skill in case a claim arose
Canceled auto insurance and went with another policy Now original insurance company requesting proof of insurance with fresh company Is this request legal?
Yes, If you have a lien holder (basically another insured) on yourpolicy. The terms of your contract require the insurer to notifyyour lien holder 30 days prior to cancellation. If you display thecompany you have purchased replacement coverage, then they canexpedite the cancellation of your policy helping you to avoiddouble coverage and paying twice during the coverage over lap withthe fresh policy. Providing them a copy of your fresh policy, Saves “You” money.
Do you have to add a licensed family member to auto insurance policy?
You usually have the obligation to list all household residents and regular drivers on your insurance policy. If we are talking about your Grandparents who live in another state and never drive your can then no. If it is your sister who lives with you and borrows your car periodically then yes she must be listed as a driver.
What is an insurance company that does exclude a member?
Your question is unclear as written. An insurance company that is formed as a stock company does not have “members”; it is wielded by its shareholders like any other corporation. However, a “mutual” insurer is possessed by it policyholders by virtue of their status as policyholders. In that respect, they might be deemed to be “members”/