Archive for April, 2009

In a divorce situation, do both parents have to cover the minor driver on each of their auto policies?

It depends upon the living situation and who has custody of the child and the guidelines of the parent’s insurance companies whether the minor must be listed on each car insurance policy or with just one parent’s policy. If the teen lives with one parent and only visits the o…

In a divorce situation, do both parents have to cover the minor driver on each of their auto policies?

It depends upon the living situation and who has custody of the child and the guidelines of the parent’s insurance companies whether the minor must be listed on each car insurance policy or with just one parent’s policy. If the teen lives with one parent and only visits the o…

How many passengers can a G1 driving carry in the car?

As the Ontario, Canada  Ministry of Transportation (MTO) states, as a G1 driver, you are required to: maintain a zero blood alcohol level while driving; be accompanied by a fully licensed driver, who has at least four years driving experience, and a blood alcohol level of …

Which does liability (or any other kind of) insurance cover, the car or the driver?

The Liability portion of a car insurance policy primary stays with the car but other types of coverage can follow the car or driver. So car insurance can cover both the car and the driver. The car is covered on an auto policy and those drivers are that are covered to drive the…

How many passengers can a G1 driving carry in the car?

As the Ontario, Canada  Ministry of Transportation (MTO) states, as a G1 driver, you are required to: maintain a zero blood alcohol level while driving; be accompanied by a fully licensed driver, who has at least four years driving experience, and a blood alcohol level of …

Which does liability (or any other kind of) insurance cover, the car or the driver?

The Liability portion of a car insurance policy primary stays with the car but other types of coverage can follow the car or driver. So car insurance can cover both the car and the driver. The car is covered on an auto policy and those drivers are that are covered to drive the…

What is the difference between “Registration” and “Title”? Does that mean that if one’s name is on the registration, that name should be on the title? My son is the only person on the car loan. To save money, if I want to put him under my car insurance policy, does my name has to be on the Registration or/and the Title?

A motor vehicle title (also referred to by some as the “pink slip”) is a legal form, establishing a person or business as the legal owner of a vehicle. So it shows who legally owns the vehicle. Registration is different in that it is a something required by the state to show yo…

How does UM coverage work with the PIP coverage?

State insurance laws can vary but generally the order of recovery for loss (if coverage is applicable and/or available) is: Workers Compensation Personal Injury Protection (PIP) Medical Payment Coverage (MEDPAY - MP) Liability Coverage (other party’s Bodily Injury Liab…

What is the difference between “Registration” and “Title”? Does that mean that if one’s name is on the registration, that name should be on the title? My son is the only person on the car loan. To save money, if I want to put him under my car insurance policy, does my name has to be on the Registration or/and the Title?

A motor vehicle title (also referred to by some as the “pink slip”) is a legal form, establishing a person or business as the legal owner of a vehicle. So it shows who legally owns the vehicle. Registration is different in that it is a something required by the state to show yo…

How does UM coverage work with the PIP coverage?

State insurance laws can vary but generally the order of recovery for loss (if coverage is applicable and/or available) is: Workers Compensation Personal Injury Protection (PIP) Medical Payment Coverage (MEDPAY - MP) Liability Coverage (other party’s Bodily Injury Liab…