If you throw a cigarette out the window of a car as the passenger will it effect your auto insurance?
If it somehow or someway makes another vehicle crash, then yes.
If you budge from NYC to California does your record of speeding tickets stay with your fresh license and what is the effect on your auto insurance when you buy your very first car?
Your fresh license in California is a fresh begin..
A chance to switch your driving habits..
BUT your INSURANCE RECORD goes after you where ever you go, no matter what you do. Your past bad driving WILL cost you BIG TIME in California, thru high rates and if you buy a Fresh CAR, you may not be able to afford a place to live, due to the cost of the car payments, plus the car insurance, every month..
Buy a Five year old car, with cash, and be glad.
How does daughter’s 92 MPH speeding ticket in a 65 MPH zone effect auto insurance for your car?
It will be a decision by the insurance company if they want to proceed to insure such a driver..
Recall that they are NOT obliged to insure any one they consider a bad risk, including your daughter. You may determine she cannot drive your car any more..
If she lives in the same house, she will have to capitulate her license to the state, in order for the insurance company to be sure she will not drive your car any longer. The other choice is for her to get her own insurance and her own car. Let her pay her own way in life, like an adult does, or not.
If a passenger in your parked car opened the door and hit another stationary car and dinged it can his auto insurance cover the harm if he is willing to make the claim with his insurance?
It depends what kind of coverage the holder has. I believe the type he would need is liability coverage (some companies may call it property harm liability), which would cover the harm to the other person’s car. You may want to check how much the harm will cost. If its less than your deductable then its not worth making a claim. Even if it is a bit higher than your deductable you may want to look into how much your insurance costs will rise by making a claim. Hope this helps.
Does the liability coverage on your auto insurance cover you against a liability exposure if you are at fault in an accident and a passenger in your car is killed in the accident?
It should, up to the amount of the policy. It is possible that your liability could exceed that amount, particularly if you had only “legal minimum”. And I suppose there could be some situations spelled out in your policy, maybe DUI or commission of a crime, that might create an exception. There may also be an issue if the passenger is a member of your household. #Two answ: Better read your insurance policy. Most liability insurance covers ONLY the person and property of another vehicle and not your own ESPECIALLY if you are at fault. .
In the UK – the response is plain. Your insurance will cover you for all injuries including a fatality to a passenger in your car. If there was a deliberate act your motor insurer may wish to recoup any compensation payment for the fatality. See the related link entitled “car accidents caused by family members” to see how your insurer might investigate if suspicious circumstances are suspected due to a family relationship.
Who pays if a driver does not have auto insurance but the passenger does?
for the driver – there will no coverage. For the passenger the same as well. It is your responsibility as a passenger, to be sure that the vehicle you are driving in is INSURED, always.
Do car dealers carry auto insurance?
Dealers and Insurance .
Here are several answers and opinions from FAQ Farmers:.
No, it is up to you to obtain your own auto insurance policy. .
They carry insurance on vehicles that have not yet been purchased.
Can you get auto insurance if you do not own a car?
Yes you can, it’s called a named non-owned policy. It covers you to drive a vehicle you do not own, and it only covers you to drive a vehicle that does not have insurance. If you borrow a friends car and have a name non-woned vehicle and have an accident, the insurance goes after the vehicle, so their insurance will pay. That company may subrogate and come after you then it would be up to your insurance company to determine if they’d accept liability.
How much will throwing a lit cigarette out of a car cost?
An hour ago I was issued a fine for the same thing, but an ‘unlit’ cigarette butt, which cost me $200 (NSW, Australia), the cop said if it was lit it would be $400!!!!!!
When a car holder dies does his auto insurance remain in effect until the expiration date and will it cover family members who drive the car?
It varies by state. Read the ‘Assignment of Benefits’ section of your automobile policy and it will provide a specific reaction. As a general rule, the executor of the estate will be able to drive the vehicle when using it for ‘estate’ business – that is, to and from appointments with the attorney treating the estate, etc. No other drivers would be covered. In most cases, the policy will only cover for a certain period of time after the death of the named insured. Also, if it is a spouse that passes away and the other spouse survives and is listed as a co-insured on the policy, the Assignment of Benefits would not come into play and the policy would just have the spouse that passed away eliminated. If that is the case, the policy would cover as it would have normally even if the very first named insured had not passed away – i.e., anyone with permission to drive the vehicle and is not excluded under the policy would be covered.
Do i need auto insurance with a license but no car?
you only need auto insurance if you driving. upon buying a car, you should get insurance.
Can I have Auto insurance without a car?
Ask an insurance company for a “broadform” policy. That will cover you for any car you drive. .
Another view .
Yes, albeit it’s rather pointless. Why pay for insurance on something that you don’t even have or own … there is no need. If you drive someone else’s car, you are covered under their insurance policy, provided you have their permission to drive it.
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 individual 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 boundaries required by law or the thresholds on your policy,if different. It does not cover harm to the rental car..
If you decline LDW at the rental counter and rely on your private coverages, you most likely 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 private auto insurance policies. And, individual 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 private vehicle is less than that of the rental vehicle, you could still incur some harm responsibility.
Can auto window tint be applied to the outside of car window?
no because it would be exposed to the elements, auto window film is intended to be placed on the inwards of your vehicles windows.
Do you have to be the proprietor of a car to get auto insurance?
Yes. Normally you have to own a vehicle to insure it. You cannot purchase insurance on a vehicle that you do not own with a few exceptions. The exceptions deal with a family household situation. Vehicles titled to a spouse or wifey may be insured on the policy of either one and the same thing applies to children living in the home as a car titled in an adult child’s name may be added to the insurance policy of the parents.
If i throw a button at a car window will it break?
Will the button break? Or will the window break? It depends at the speed of the car and the material of the button. A puny metal object hitting a car windscreen at high speed can break the window. A plastic button hitting the window of a stationary car will very likely not do much harm, but a plactic button hitting the car window of a moving vehicle may do a lot of harm, not necessarily by violating the window but by distracting the driver, which in turn may cause a fatal accident. Suggestion: Don’t do it!
Can you get auto insurance with out having a car?
Even if you do not own acar , you still need insurance protection if you drive one. The auto you borrow, rent, or use may have decent insurance coverage, but you also should protect yourself with private liability protection. Here is how to get it: Ask for the cost of higher liability coverage based on the assets you own and your projections of future income to be protected. For your protection, consider purchasing as much liability insurance coverage as you can affordAsk the insurance company or agent about your state’s minimum liability coverage rules. States differ in the minimum liability insurance coverage they require. .
Analyze your assets, including home, furniture, art , clothing, computer , electronics, and all other individual assets. Get quotes for liability insurance only. .
Estimate your future income. This is significant because, like life insurance, you want to protect your future income as much as possible. This calculation often results in a larger amount than all of your private assets. I wish you the best .
Coverage on auto insurance when you have a car loan?
Yes, you should get auto insurance coverage when you have a car loan, and even when you don’t have a car loan. The law requires it either way anytime a motor vehicle is operated on public roads..
Does your auto insurance cover you when you rent a car?
There are so many different policys that it’s unlikely to reaction. Only your insurance company will be able to reaction this question. Be sure to ask what they do/dont cover so you will know in advance.
Do you have to have auto insurance to rent a car?
If you have liabilitycoverage on your own car, it will generally also apply to the rental car if the rental can be considered a “makeshift substitute vehicle” (such as if you are on vacation or if your car was damages and is being repaired). However, if you do not otherwise have coverage, the rental car company will require you to obtain it, either through it or by some other means.
Is there an auto insurance that covers a person not the car?
yes you can take third party insurance cover for you & your car. where the premium is very less…which will not cover your car harm , fire & theft.
Can you get auto insurance without a car?
Yes, you can. Ask your insurance company for a “broadform” contract. This contract insures you for every car you drive.
What do I do if I have no auto insurance and someone hit my car?
If the person who hit your car is the cause of the accident, then it doesn’t matter if you have insurance, since the other driver’s insurance company is obligated to pay for the harm (assuming that you can prove your case). If the case the way around then the case might be a big problem. Never hesitate to get insured. It is in the mind of people telling they’re costly. Think of it hitting others car.
How is cabin heating effected in passenger cars?
there is a petite radiator unit mounted in the ventilation system thru which the coolant from the engine circulates and releases warmth to warm up the air as it comes in the car
In Texas is it illegal to throw a lit cigarette out the car window?
So far it has not been made into a concrete law. But it is certainly being discussed in the capital.
Can you have auto insurance without a car?
You do not have to own a vehicle to tie car insurance. If you do not own a vehicle you can purchase auto insurance to cover you when you are driving borrowed and unowned vehicles. Named non-owners insurance is a policy for individuals who drive borrowed cars and have a need for liability insurance. If you are required to provide an SR-22 to the DMV to keep your driving privilege and do not own a vehicle, named non-owners policies are the best solution. These policies will provide you with liability coverage in any car you do not own if you are found at fault for injuries or harm. .
I have no car insurance and was injured as a passenger?
You may be able to make a claim under both insurance policies if they have the decent coverage. It wouldn’t hurt to get those claims commenced right away.
Is it against the law to throw a cigarette out the window in NC?
It’s considered illegal in most states to litter; so I think NC would also be one of them. Including cig’s.
What auto insurance do you bill if you where a passenger in auto accident?
You should be talking to the insurance company that insures the vehicle you were a passenger in. If it was a single vehicle accident they will be responsible but if it wasn’t then the at fault drivers insurance would cover it.
Does auto insurance cover stolen cars?
Auto insurance will cover the theft of your vehicle if you maintain comprehensive coverage. Comprehensive coverage is generally sold in conjunction with collision coverage. However, unless there exists a lender that requires collision/comprehensive coverage, it is usually not mandated by law as it is considered “first-party” coverage (designed to protect the proprietor only). Comprehensive coverage also applies to the theft of belongings in the vehicle if they were permanently affixed to the vehicle. For example, if you have an after- market stereo system and sub-woofer that is stolen from your vehicle, it is covered under comprehensive coverage. However, if you leave your purse in the car and it is stolen, it is not covered because it is not permanently affixed to the vehicle.
Whose auto insurance will cover your passenger if they have no auto insurance?
Reaction 1: If you are driving with a passenger that does not have auto insurance or medical insurance, they can be covered under either your policy or the third party’s policy depending upon the situation. If you are found at fault for the accident, Medical Payments or Individual Injury Protection will pay the a portion of the medical expenses that you and your passengers incur up to the stated thresholds. If you carry Uninsured Motorist and are hit by someone with no insurance, this coverage will pay for injuries to you and your passengers as well. If you are not at-fault for the accident causing injuries and the other party has insurance, the third party liability insurance coverage will pay for injuries to you and your passengers based on the per person and per accident thresholds stated on the policy. Response Two: If the passengers are travelling in your auto and, if you are at fault in an accident, your insurance will cover them. If the other driver is found at fault, his/her liability insurance will cover your passengers.
Is auto insurance cheaper for a fresh car?
Hardly … the cost to fix a fresh car is far greater than an older one. The insurance must also cover finish loss, payable to the institution who possesses it (has the title) … that is not usually required in an older car purchased for cash.
How much will auto insurance be after car wreck?
If it is found to be your fault, then your insurance could go up. If you are found to be at fault, then it shouldn’t.
Who pays the medical bills if you are involved in an auto accident where the at fault party has insurance and i was a passenger in car that was hit?
Most states require auto owners to maintain “no-fault” coverage; it is sometimes referred to as “Private Injury Protection”. It is a first-party coverage, which means that one maintains it for their own benefit. No-fault coverage pays a percentage of the medical expenses and lost wages sustained by an injured part in an auto collision, and benefits are payable irrespective of fault. That is, your own coverage pays benefits even if you caused the collision. Depending upon the state in which the policy is issues, a deductible of some amount may be permitted. A deductible is the amount which the insured is responsible for paying before insurance benefits are triggered. A similar coverage, which pays over and above no-fault is called “medical payments” coverage. An extra premium is charged for this because it is an optional coverage. It also is a first-party coverage which pays irrespective of fault.
Can you get ticket in state of Arizona for throwing cigarette out of vehicle window?
You can get a ticket anywhere. It’s against the law. Everywhere. Little thing called littering.
How much does a car passenger window cost?
That depends on how much you want to spend. A fresh window can be fairly expensive, but a USED window can be relatively inexpensive and in general, a good way of repairing a problem. Glass doesn’t typically “wear out”, so a used side window will function as well as a much more expensive fresh one. I recently purchased a 1994 Saturn drivers side rear window for $35. It functions as well as a fresh one and after it has been installed, it’s virtually unlikely to tell the difference inbetween fresh and used.
Why do speeding tickets effect auto insurance?
they acctually have to pay money they are so tautand some bread and milk
Why do people smoking in their cars ALWAYS throw the finished cigarette out of the window?
Usually it’s because they don’t want their car to smell like stale cigarette butts, or they don’t want to have to bother cleaning out the ash-stand.
What are the benefits of auto car insurance?
The benefits of auto insurance are that if a natural or human caused accident were to happen, you would be able to feel safe that your car will be repaired or substituted.
What if you are injured as a passenger in a car with no insurance?
If the driver of the car you were in was at fault and had no insurance you are out of luck. your only recourse if to sue the person who you were driving with to recover damages. If your driver was not at fault but had no insurance the other parties insurance would have to cover your damages. The lesson is not to rail with people who do not carry auto insurance, ever.
How does auto quote work with car insurance?
Auto quotes are based on the information that you supply the company. The information is typically your age, driving history, type of car, how far you drive, and where you park your car most of the time.
Can you buy auto insurance for your spouse car?
You have to be on the registration as well. Most insurance companies are cracking down on this because people are using other’s with better driving records to save money-so they got wise
What is the best auto car insurance provider?
According to the 2013 costumer satisfaction rates provided by MSN Money, USAA is over all very first. Albeit, different statistics may give different answers to this question.
How do you own a car without auto insurance?
You can own a car, but without auto insurance you cannot ply on the road and the Police will confiscate your licence.
How long do you have to get auto insurance for a fresh car?
This is an issue that you need to make certain of before you drive off the lot. Different policies are all different and you need to make certain with your agent as to whether or not you have automatic coverage. Sometimes it depends on the coverage you have on your other vehicles on your policy. .
What is considered the cheapest auto insurance for a car?
Depending on your age, your hook-up, your car, your practice and the number of reclamation in the past as a driver, you can find the cheapest auto insurance by comparing them points by points.
Why must you carry auto insurance in your car?
For the same reason you cannot rob a bank, it is most likely the law in the State where you live. Also it would be terribly stupid and irresponsible not to carry auto insurance. If you have an accident and hit someone else where it is your fault you will be legally responsible for all damages to their vehicle as well as injuries, deaths, loss of income, and any other cost that you may do to the other person. The insurance policy takes this risk from you as well as paying legal fees and even defending suits where someone blames you for an accident you did not cause.
Where can one get auto insurance for classic cars?
If you own a collectable car you will need auto insurance to make sure you are fully covered. A good place to get auto insurance is through Geico or American Collectors Insurance.
Can auto insurance be cancelled after a car accident?
Yes, you can cancel a policy anytime you want to if you are the policyholder. I always suggest that you wait until the adjuster has a chance to look at the vehicle and determine if it is totaled or not before cancelling. Speak with your agent about this matter as well. In some states you need to cancel the tag before cancelling the insurance or you will incur a fine. If it is financed you will also need to consult the finance company as well.
Where can one get car and auto insurance?
You can receive car and auto insurance through companies such as Allstate, Farmers Insurance, and Esurance. All of these companies provide free online insurance quotes.
Do you need auto insurance to buy a car?
This will depend on the location you live in but generally the response is yes. Most place legally require liability insurance in order to register a vehicle of drive on public roads. Secondly, if you finance a vehicle the contract will require that you obtain and keep physical harm insurance to protect the interest of the bank or finance company even if you don’t care about your own loss if the vehicle is bruised.