Question about Liability Insurance.?
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Question about Liability Insurance.?
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My mother has insurance on a car I drive, but do to a horrible driving record State Farm - her car insurance company - won't carry me, and when they will again it won't be cheap. I recently found some cheap liability insurance but I was curious - the insurance companies won't give me a straight answer - does my mom have to switch all the insurance for the car, or can I have insurance just for when I drive. If so should I get PIP - personal injury protection instead of liability?
Pretty much can there be 2 forms of insurance from 2 seperate companies on one car? Full Coverage for the car and my mom, and Liability for me?
Additional Details
For the record it was speeding, not accidents. Kindly lose the attitude.
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ced5150
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you can't have 2 different insurance policies on the vehicle. One coverage, with multiple drivers listed, but not multiple coverages with multiple drivers. You have the option of liability or full coverage. Then you can choose from full tort or limited tort. You can have liability coverage with full tort. If you cannot afford full coverage then that is your best option. You can look this information up online so you have a better understanding of the differences. (if the car is still being financed then you must have full coverage regardless) |
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Erna J
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SoCali, For auto insurance the quick way to get a low quote is do a car policy comparison. If you choose the same coverage levels, you can get an fast quote to compare against others. Use the same zipcode, car make/model, mileage and driving history to ensure you get accurate comparison. To get fast auto insurance quotes, go to http://www.simpleautoquotes.com/Auto-Insurance.html and you can compare all the major auto insurance companies. |
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calipink22
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You CANNOT have two insurers for one vehicle, it's illegal and insurance fraud! Also, PIP is only coverage for you! The state does not care about YOUR coverage, they want to make sure that you have liability coverage for OTHER drivers. If you cause an accident do you really think they people that you hit are going to be satisfied knowing that your medical bills will be covered but theirs won't? Uhhh no.
If you're driving a vehicle YOU need to be insured. Tell your mom to find another insurance company to insure the vehicle. If you have a bad driving record, do you really need to be on the road? Especially on the road and UNINSURED? Oh my goodness, please park the car until YOU have insurance. |
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malcolm c
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That is a good question. I too am curious about that, but for different reasons. Just an assumption, but I don't think the Ins co will object to you having an additional carrier. Just like with health care, you can have a primary and secondary ins coverage. At the end of the day I think it depends on you "the customer" to decide if it is worth paying for coverage from two carriers. Either way they still get their money, and in the event of an accident there is a 50/50 chance they will be contacted. Sounds like good odds for them, No? |
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