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Can Two separate auto policies for the same address with Two separate insureds be used as an excess for the other insured?I’m not entirely sure what you’re asking, but it certainly sounds
like it involves some kind of insurance fraud.

Does an auto insurance policy have to be in the same name as the car loan?

Lien Holders Insurance Indemnity Clause Yes, Your finance contract (Loan) almost always requires that theborrower provide a Total Coverage Auto Insurance Policy on thevehicle being financed to protect the lien holders interest in theproperty until the loan has been sated. It’s a matter of yourfinance contract. Failure of the borrower to provide the coveragerequired under the terms of the finance agreement puts the borrowerin “Default” on the finance note subjecting the vehicle torepossession and other remedies at the lenders disposition. Include All Drivers For Utter Coverage, The Insurance policy should be decently in thename of the vehicle proprietor with any extra drivers listed asadditional insureds on the policy. When the vehicle is still undera finance note. The finance company will generally require that thebuyer maintain utter coverage auto insurance until the note is paid.As this is part of the finance agreement signed by the buyer,failure to do so can subject the vehicle to repossession by thefinance company. Operators Liability For liability only, any driver may obtain a liability policy foroperation of the vehicle whether they are the possessor or not, Sincethe Driver as well as the vehicle holder can both be held equallyliable for any loss regardless of who is driving, most insurerswill require you address the insured status of the possessor as well. Owners Liability The possessor “Name on Title” is just as liable for an accident in thevehicle as the driver is, even however the proprietor may not have beendriving when the accident occurred. If someone was kind enough tosign for you to buy a car, the least you can do is make sure youdon’t expose them to a lawsuit over a future accident you may havein the car. This is why many states have begun requiring the ownerto have sufficient coverage regardless of whether the owneractially drives the car.

How can you get auto insurance after Two DWIs?

DWI Insurance? You get your auto insurance the same way anyone else would ecxept that since your a “High Risk”, you’ll have to pay more and will very likely have to look around more to find an Insurance Company that will accept you. An response from someone who has used the maneuver of setting up a fresh residence, etc., twice because of DWI’s is truly not a reliable source of information, comitting a ” Felony” fraudoffense is not the way to go. I suggest that you “bite the bullet,” admit your culpability, pay the higher insurance premium from your carrier for the next five years, and swear you will not drink and drive again. Commit Felony Fraud? If you truly want to drive that bad set up an address in another state or if you have a relative in another state ask them if you can use their address and then give up your license to the DMV in that state assuming it’s not suspended. once you establish an address you just need your license from your state and 6 points of ID which would be SS# birth certificate, passport credit card employee ID those will help. whats gonna happen is that you will capitulate your old license from your state in exchange for the fresh one in what ever state you determine to do it with. if you have points dont worry about that its illegal for any state to transfer points from state to you will have a fresh commence..Ive done it twice and I live in NJ and I have a NY license and in NJ i had Ten points now i have zero with my NY license LOL… Of course if Caught you may spend some time in prison. Assuming the courts haven’t taken away your license, you’ll need to contact a “high-risk” carrier like Progressive. If you’ve had to file an SR-22, you would give it to the carrier and go from there. It’s going to be very, very pricey, by the way, for about five years. And even after that, your record will most likely keep your premiums pretty high. You take the bus for the next five years. Give up LicenseIt’s elementary. Take your license to DMV, tell them you give up it and ask for a plain ID card. Stay off public roads at least 7 years. After that, re-apply all over again then the convictions (as long as no deaths resulted) should be totally erased. Then you’ll be able to get insurance through whoever you want. Please stay off the roads!

Can you get medical insurance for your family that’s separate from your own policy?

Yes you can and in many cases you should. You will very often find that individual coverage, if you can qualify for it, is cheaper than adding dependents on to your company plan. Because company plans generally cover everyone regardless of health condition they must charge more knowing that some people will use a lot of medical care..
Individual plans that require approval can deny coverage to those who they know will use a lot of care, thereby suggesting lower coverage to those who are healthier. .
This is not true in all states since some ensure coverage to everyone even on individual plans. It may not be fair either, but that is the way the system works in most states.

When a married duo has two cars should they have one combined auto insurance policy or two separate policies?

Reaction .
You need to have one policy that way you will be eligible for the “multi-car discount”

Can you be covered by Two insurances at the same time?

Response .
Yes. What you very likely mean to ask is – can you get paid in utter from both policies? Generally no. You would have to look at the Co-Ordination of Benefits clause. Click here for more details

Can you get auto insurance and use the address if it is only a improvised address?

Response .
In NYS, and I believe many states, the auto insurance must be from the same state as the state where the vehicle is registered.

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 Virginia Law permit spouses to have separate Insurance policies?

Spouses are permitted to carry separate insurance policies, as thereare no laws stating otherwise. However, it is generally more costeffective for spouses to carry one together.

If you have a clean insurance record marry someone with a DUI and tickets can you have a policy separate from your spouse?

Yes you can. When my spouse and I got married, I kept my owninsurance. Response You can but…many insurance companies require that alllicensed drivers in the household either be named on the policy orspecifically excluded. If you exclude the spouse with the DUI fromyour policy your insurance would not cover that person if they wereinvolved in an incident in your car. If you are worried about liability for his driving habits, abetter way would be to obtain legal advice as to car ownership withhim and to act on that.

Can one person’s sr22 insurance cancel the existing auto insurance policies of other people who share the same residence?

Reaction .
No, Your Insurer has no capability to cancel the insurance policies of another Insurance company nor of other people in your household whether they have an SR22 or not. An Insurer only has an capability to cancel the policy of their own insured(s). if the insured no longer meets it’s underwriting guidelines..
The other people in your household’s insurance could only be cancelled by themselves or by their own Insurer. This could happen if their Insurer determines that an uninsured, unscheduled driver in the same houshold may be operating their insured’s vehicle..
SR22 insurance is exactly the same thing as Auto Insurance. SR22 Insurance is a laymans term for a Form SR22 filing requirement. This is usually requested in order to avoid a drivers license Suspension..
An SR22 form filing is not a type of insurance but rather the Form SR22 is Proof to a Governmental Drivers License Authority, ” usually your local dmv”, that you are presently insured under an Auto Insurance Policy produced by the SR22 Form Filer. The SR22 is usually filed by Your Insurance Agent if you have one or your Insurance company’s underwriting department..

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The SR22 form is Issued by the insurer or the insurers representative at the insureds request and is generally the result of a regulatory or court ordered requirement after certain types of traffic violations or other high risk offenses..
The ordered filing requirement is usually 1 to Three years from the date of a related offense or from the date of license suspension.

Can you and your ex-husband be on the same auto insurance policy?

Reaction .
Possibly, if you are in the same household. However, if you are divorced, you may not want the financial link involved.

What are the odds of the same woman being the beneficiary to three separate life insurance policies?

Actually the odds could be 100% if the woman’s spouse wielded three different life insurance policies naming her as the primary beneficiary for each of the policies..
Or, perhaps her parents each possessed life insurance policies, as well, and named her as the primary beneficiary.

Can Two separate auto policies for the same address with Two separate insureds be used as an excess for the other insured?

Does auto insurance policy have to be in the same name as the title possessor?

Generally, no. However, auto liability insurance usually “goes after the car”, rather than the driver. Not all insurance companies will insure a vehicle that not registered to the policy holder. They feel it to be a risk factor due to the insured not being the only person driving the vehicle. That said, all drivers of the vehicle have to be insured on the policy, and a premium paid commensurate to their risk factors (age, accident history, and other factors). If one does not own a car, it is possible to get “non-owners” coverage. This insures the driver for liability coverage irrespective of the vehicle driven. As to physical harm coverage, such as collision or comprehensive, one must have an “insurable interest” in the vehicle to insure it. This essentially means that the person seeking the insurance has a financial stake in the continued existence and condition of the vehicle. Therefore, a stranger will not generally have an insurable interest.

Is there an insurance policy that will cover either car that I own I can’t physically drive Two cars at the same time So the other car just sits.?

A little more information might provide a better reaction, but here it is. If both of the cars have active registration, this indicates that they might be driven at any time. Most insurance companies will make you add both cars to your policy, since it is possible that they can be driven. However, if you only use one of them a little, most companies will give you a “low mileage” discount on that car, provided it annually travels less than their mileage limit. If you never use one of the cars, you could cancel the registration on it so that you don’t have to insure it, but keep in mind that there are different types of car insurance that protect against different things. If it’s stolen or bruised by a storm and it’s not insured, you won’t get any money for it. Using an independent insurance website to compare car insurance from numerous companies at the same time can help you see what the lowest price will be for your situation.

Is there an insurance policy that will cover either car that I own I can’t physically drive Two cars at the same time so the other car just sits?

No. Each vehicle must carry its own policy. If you do not have a lien on it, or if you do and the bank oks it, most companies will permit you to suspend a policy or carry only comprehensive coverage when the car is not going to be driven for at least 30 days.

Can you eliminate your separated spouse from your auto insurance in the state of California?

You can “exclude” anyone from your policy. This is frequently done when a youthfull person is of driving age and you don’t want your policy to cover them because the rates would go up. So yes, you can exclude a current, separated, or whatever spouse or any other person from your policy.

Can you get an auto insurance policy with no vehicle?

Yes, In the United States, It’s called a Individual Non-owners Insurance Policy, sometimes referred to as a “Drivers Policy” or an “Operators policy”. Non Owners insurance however is intended for “unplanned, unexpected” usage. It is limited secondary coverage (liability only) that only invokes once the vehicle owners policy thresholds are tired. A private Non owners Auto insurance policy generally does not provide coverage for a rental vehicle since a rental vehicle typically includes a reservation and several deeds in a course of a “plan” to rent the vehicle. It does not provide coverage for a commercial vehicle of any type since it is a individual lines policy, (Individual lines auto polices do not cover commercial vehicles) nor for any vehicle that you drive on a regular (expected) basis or that you have regular (expected) access to. If you are considering a Non Owners Auto Insurance policy, be sure to discuss the coverage suggested with a qualified insurance agent. Your agent can explain the limitations of coverages afforded and help you determine if it’s right for you. The rules of Policy construct may vary in other countries. ResponseYES, I can verify this, it’s a national policy and will be good for any vehicle you drive anywhere. But you do not need it. If you do NOT OWN A Vehicle of your own, registered in YOUR NAME, At your address, (They do not check) you will automatically are covered under that vehicle owners policy no matter what happens.”

Can you get auto insurance on your parents’ policy?

Yes, however I have seen a few cases where you may run into trouble. For example in an odd set of circumstances where a child lived with Grandma and because she was not the legal guardian they would not permit it as a permitted driver… this is infrequent and we were obviously able to find her another company but it can happen…. long story brief, you should have no problem.

How to use my wireless and my wired connections Two separate ISP’s at the same time?

Its purely based on the ip address of each process. You can contact your administrator or you can get the ISP ip address from the link

If you drive a car insured by your grandfather but you have a separate policy and you crash who has to pay you or your grandfather?

Ask your respective insurance agents. You may have a policy that covers you no matter what car you drive.

Is it illegal for a married duo to have separate auto insurance policies?

No, in fact it is a habit by some couples (when one is accident prone, etc).

Does auto insurance policy have to be in the same name as on the title?

does the name on the insurance policy have to be the same as thetitle in anderson south carolina

If you are the policy holder with two cars with separate companies and you have an accident in one car do you have to notify the other insurance company?

do what ever man who cares about what we think. .
tell santa then sob him a sea..

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Can each member of household get separate auto insurance for their car in South Carolina?

Why in the world would you want to. If this is an instantaneous family situation, you need to put them on one policy so that you get the multi-vehicle discount which is usually about 25%. If you get separate policies, the policy will still require that each household member be listed on each of the separate policies, defeating the purpose and costing you much more money overall. As a matter of total disclosure, I own and operate a puny Independent Insurance Agency and have for the part 22 years. Before that I worked as an agent for a direct writer insurance company.

What is a writer on an auto insurance policy?

Auto insurance companies hire insurance underwriters, who can also be referred to as writers, to underwrite the risk a driver poses to the company. Underwriters determine how much a policyholder will pay for their insurance rates based on how much risk they carry. If a driver has tickets and accidents, an underwrite will rate them accordingly. Underwriters are very significant in insurance because they make sure that policyholders pay the correct rates to prevent the insurance company from going bankrupt.

Can Two separate auto policies for the same address with Two separate insureds be used as an excess for the other insured?

Do all cars insured on same policy have to be registered at same address?

No it not be but for your confirmation you have to visit this site

Can 1 person insure Two cars with Two separate companies 1 car in one and 1 in another?

Yes you can. The rule of thumb is you can’t have Two policies on one vehicle. Only one is permitted. You are missing out on tho’, a multi car discount which could be up to 25 percent!

Can a separated spouse switch insurance policies?

If both people’s name is on the policy, either would be able to cancel. Where I am, it is also possible to take out insurance policy on another person’s vehicle. Other policies I’m not sure about, hope that helps.

Can I get my spouse off my auto insurance policy if we are separating but he lives in my house for now?

If the policy was purchased by you and is in your name, you can ask for him to be liquidated by writing to the insurer at any time. If was not purchased by you and in your name, then only the person who purchased the policy can ask for switches to it.

IF Son and daughter are on same insurance policy and they wreck into each other will insurance pay?

Providing it is a genuine accident, it will not matter about the relationship inbetween the parties. In one case, I know of, the witness was also a relative !! As always, the difficult part is attempting to prove it is not a scam.

What is the address for Hartford auto insurance?

Attempt typing the name of the insurance company, and the area you require into your search engine, you should get the address you require. Web sites, telephone numbers, addresses and email addresses in answers, are not permitted on WikiAnswers.

Can Two people in different states be on same auto insurance policy?

It is up to the policy holder. When I had to stay with my aunt for a long time we kept my insurance in my state of origin. It works too when you have a child in college and you are in another state. Contact insurance agent or insurance company to verify.

Can you get auto insurance if your auto policy is canceled?

Yes. Sounds like you haven’t had insurance for a while. You’ll very likely need non-standard auto.

Do you have to have separate insurance on a camper in Illinois?

I would have it covered just in case. If there isn’t much value then some will determine not to.

How do you get out of an auto insurance policy early?

If you have an auto insurance policy, and you want to either switch companies or cancel your coverage because your vehicle is no longer in commission, you have the right to do so. While the process of cancelling a policy will vary amongst insurers, most insurers will request a letter of cancellation in writing with your policy number, requested date of cancellation, and your signature to cancel your policy. If your vehicle is non-operable, some states will require proof of the date you reported the vehicle as a non-op to the DMV. If you are switching companies, you may be requested to provide a copy of the declarations page from the fresh insurer demonstrating the effective date of the policy to backdate the cancellation. While some companies do not charge a fee for cancellation, others will brief rate your premium and charge a percentage of the unearned premium if you cancel your contract before renewal.

Will Two points affect your auto insurance?

i very doubt itYes it will. I have Two pts and my insurance went up by $1k.

Can you cancel separated wifey auto insurance?

You can certainly eliminate any person from coverage under your own auto insurance policy. You can not however cancel another persons Policy. The very first named insured on a policy is geenrally considered the proprietor of the policy and can make whatever switches required. If you have a joint possessed policy and with respect to common law, it migt be wiser to simlply pick up a fresh policy for yourself and permit the old one to lapse or expire. Blessed Motoring

Can Two separate auto policies for the same address with Two separate insureds be used as an excess for the other insured?

Can you live in two separate households and share auto insurance?

The question is not altogether clear. However, if you are asking whether two people, living separately, can insure the same car for physical harm protection, they can provided that each has an insurable interest in it. An insurable interest is a “stake” in the vehicle’s continued existence and physical condition. Keep in mind tho’, that one of the factors that an insurer will consider in establishing the premium is where the vehicle is primarily kept. Therefore, that location will have to be clearly disclosed, and if it switches, the insurer notified. As to liability insurance, two people can be insured to operate the same vehicle. Both have to be named on the policy as insureds. The premium will be a function of age, usage of the car, driving history, and other factors.

Is your US auto insurance policy valid in Central America?

No. All United States auto insurance policies stop at the Mexican border. They usually cover driving in Canada but will not cover you once you cross into Mexico. I believe you purchase insurance from the Mexican government. Good luck if you have a claim.

What auto insurance carrier uses policy numbers that embark with auto?

It’s very difficult to tell what company uses certain prefixes on their policy numbers. Many companies have numerous prefixes and some companies use the same as other companies. They also wary from state to state. If the insurance company name is not listed on accident report contact the policy officer and he may have it in his notes but not on the accident report. Otherwise commence calling agents in the area where the person lives.

Do you need separate auto insurance for your 16 year old son or is your current auto insurance good for any driver of your car?

Generally, The least expensive way is to add your son to your existing auto Insurance Policy. Failure to add a known driver to your policy is considered Insurance Fraud by concealment and could subject the insured to cancellation, non renewal and can void all coverage under your policy. Basically any one who has regular access to your vehicle and is not scheduled under the policy is an uninsured driver.

Can you and your wifey use the same address if filing separately?

Certainly, there is no requirement about where you live when you make your decisions regarding how to file taxes. .
Yes, filing separately does not mean you are separated. It is just an option to consider to attempt to reduce total tax due depending on distribution of income and types of income. See a tax professional.

Do you have to add your child to your auto insurance policy if they do not live at your address?

In the state of Texas you do not have to list your child on your policy. If living in your home you can enlist a separate policy for that child. If living in another home it is never a requirement to have them on your policy albeit there are some policies which certain insurance companies write which require the child on your policy while living in your residence.

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Can you have different insurance on separate cars?

Sure, buy why? You get discounts for having numerous vehicles on a policy. You are still required to list all household members and drivers on both policies. The only advantage may be if you have a bad driver in your household with lots of tickets who you want to exclude from all other vehicles except for the one he/she drives. This is the only real time it may be beneficial. I always caution anyone signing an exclusion because if a driver is excluded no matter what the emergency or just moving a vehicle in the driveway, if the excluded driver is driving there is no coverage at all for the claim. I infrequently use the exclusion.

Can you and your playmate insure a car with separate insurers?

Are you talking about insuring a vehicle twice at the same time. This is illegal. Why would you want to pay insurance twice on the same vehicle anyway. If there was a claim and you had two policies on it they would most likely split the damages. You cannot legally make a profit on insurance. Also, only the person who legally possesses the car can insure it. The only exception is a legally married duo.

How does someone else using your address for auto insurance affect you and your auto insurance?

Insurance companies use a service that helps them to identify possible unlisted drivers on insurance policies. It will bring up names of people who use this address or people you have listed on your prior policies and such. All that happens is that the company may ask you about such people and you just reaction the questions as to whether or not the person lives in your house and or whether or not they drive your vehicles.

What insurance company uses CAL in auto policies?

Legacy Insurance (888-793-7888)Companies are always switching their policy numbers as some of the fatter companies buy out some of the smaller companies so Legacy might not be the only one but it does contain “CAL” for sure.

Can you liquidate your separated spouse from your car insurance policy in Virginia?

I know that it is effortless to think you don’t want to pay for the other person’s insurance but you must think logically about this. You are still legally married and are liable for each others debts. If you cancel their insurance and they hit someone you could be liable for the damages and injuries no matter what. And if you cancelled the insurance there is no adjuster to pay for attorneys, pay for damages, etc. I always suggest to my clients that they keep all insurance until the divorce is final. If they can’t get along enough to do this then I suggest they both come in and get their own coverage as a 2nd best alternative. Also, if the get back together to let me know.

Can you be Named Insured on each of two separate policies for two separate homes in the same neighborhood?

You can be the named insured on a policy for any real property you own. In fact, only the possessor can be the “named insured”.

What is the address to send auto insurance policy on a Ford Lease?

All you need to do is to look on your lease contract and it will give you not only the address but more importantly how the insurance must be stated. Generally in the case of a lease you agree to keep certain high liability boundaries, certain deductibles, and to list the finance company as an extra insured as well as the loss payee on your auto insurance policy. If you don’t carry it exactly as the contract states the least that will happen is that they will provide such insurance and you will be charged for it, and the most they can do is to repossess the vehicle and sue you for all costs, balances, etc.

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