Anyone knowledgeable about car insurance?

mariko m

I suggest you locate a nearby car insurance agent to help. Since I live in Utah I can't recommend an agent in Louisiana, but here is an resource that can help you. http://www.autoadviceonline.com/Free-Auto-Insurance-Quote.html

mbrcatz

The SR22 is a guarantee, from the insurance company, that they will not cancel the named nonowner policy without notifying the state, in time for the state to suspend the license. That's what it does.

The named nonowner policy does NOT cover ANY VEHICLE owned by ANY household member. So, yes, that car was uninsured, and would have been uninsured, even if wife was driving it. Named nonowner policy only covers a car that isn't owned by any household member, and isn't furished for regular use. It's NOT a way out of buying regular insurance.

SO. Louisana is a "no pay no play" state. Because he was driving an uninsured car, neither he nor wife can collect for any damages under the at fault driver's car.

The answer to the question is NO.

**reading above, I see I'm the minority opinion. But I think you're going to find out, that a "no pay no play" state like LA, the "general comments" about how not having insurance doesn't matter, is incorrect.**

Christina F

no that's not true depending on the amount of coverage that person has depends on whether or not their responsible for the damage. I know with my insurance, they will pay for any damage, and medical EXCEPT for an uninsured motorist. So this is why its so important for everyone to carry insurance while driving, because also with this type of insurance I would not even be covered if I was in an accident with an uninsured motorist.

â™¥ Uwish â™¥

Yes, The at fault company will pay for your damages. It doesn't matter if you had insurance or not on your vehicle.

I would suggest getting coverage though on your car. Your SR22 Non Owners policy would not cover an accident if you were found at fault.

**Add

You have a non-owners policy, and you own the vehicle. So therefore, no, your policy would not cover an accident if you were driving your owned auto and found at fault.

SR22 just means that the state told you you have to have insurance.
You could purchase a liability only policy for your vehicle and still have SR22 on your policy.

**Add again!
Yes that is correct, Your company would essentially deny the claim. Their reasoning being that you are the owner of the vehicle, in which you have regular access to to drive.

The non-owners policy covers you when you are driving a vehicle not owned by yourself or available to you for regular use, Ex, you are driving a co-workers car one time to get lunch.

Get my drift? Email me if you have any other questions

Jifr

Louisianna is a pure comparative state.......That's the "negligence jurisdiction" and it essentially means that each driver pays their percentage of fault.

If the other at-fault driver is found 100% at fault, regardless of the insurance status of the other vehicle, then the at-fault driver would be 100% responsible.

(The uninsured driver could be cited for no insurance, btw. Citation for no-insurance does not make a person at fault)

A SR22 satisfies the financial responsibility laws of most states and covers the person with the SR22. Unless the wife bought a car with a lien....she does not "need" to have insurance on the "vehicle" if she has the SR22. (Which only covers so much...it's really much better to have a regular insurance policy but some people can't get insurance or have had driving/civil/legal issues)

Hope that covers your question. Good luck.

~jifr!

Caplette's B. otch

It wouldn't matter if the car was insured or not. the at-fault party is liable for the damages so their insurance company would still be obligated to pay for the damages to the uninsured car. This happens all the time.

Zoe B

For automobile insurance the quick way to get a fantastic rate is do a rate comparison on car policies. Make sure that you pick similar policies with the same deductibles, auto model, zip code, etc so that all things are a good comparison.

What I usually recommend is an online comparison quote at http://www.InsureAutoNow.info since they have big name insurers and can give several quotes on auto insurance polices.

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