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  1. Auto Insurance: Re: Car Insurance Cancellation by a Parent

    I will answer questions about parents may be held liable for their children's actions (even if they do not have knowledge or where not involved) in the other post about minors (since you have...
  2. Auto Insurance: Re: Parent's Responsibility for a Child's Accident

    I think this is different in each state since I do know of minors in my state that were sued & the parents had to pay on behalf of their minor child. The law does not state "a friend" in Ohio which...
  3. Auto Insurance: Re: Car Insurance Cancellation by a Parent

    Yes & cases go before a judge to decide if there is really a case at all before trail. But they do get through quite often because there are what if. What if the parent had worked it out to make...
  4. Auto Insurance: Re: Car Insurance Cancellation by a Parent

    No I don't believe that but it doesn't stop someone from trying to sue the parent and opening the parent up to potential risks. I can't see a judge really finding that the parent is liable in this...
  5. Auto Insurance: Re: Parent's Responsibility for a Child's Accident

    There would be a reason that the minor would have to be sued through a parent...because they cannot be held liable. Who is going to be required to pay? The parent on behalf on the child. So really...
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    Auto Insurance: Re: Car Insurance Cancellation by a Parent

    The parent can pull the drivers license also. Since they did have to sign to give the license and have the right to have it pulled until 18. But the car can still be registered & insured (since...
  7. Auto Insurance: Parental Liability for Child's Insufficient Insurance Coverage

    I do not agree with all laws but that doesn't make them less of a law. Yes this is a huge loophole. This would not be how I would want it, so this is why as an agent I take these cases very...
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    Auto Insurance: Re: Car Insurance Cancellation by a Parent

    An insurance contract in a state that allows a minor to purchase a car they can. From the PA Depart of Trans website.

    Each company files their contract with the state. Some will not allow this...
  9. Auto Insurance: Re: Daughter's Parked Car Hit by Friend

    jk- if you want to use this site for your temper tantrum it is fine with me. Any one who questions which on of use is correct can google "ohio small claim court under 18" and it will show websites...
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    Auto Insurance: Re: Car Insurance Cancellation by a Parent

    The OP is from PA which is where I am licensed so I don't need to look this one up. Yes in PA a minor can purchase a car themselves. They cannot take out an auto loan so they do have to purchase...
  11. Auto Insurance: Re: Daughter's Parked Car Hit by Friend

    A bit of research would be that in Ohio it is state law to carry BI & PD. So then he is required to carry insuracne to coverage her damages. She has a right to call in a claim against him.

    Also...
  12. Auto Insurance: Parent's Responsibility for a Child's Accident

    Laws are different in each state. And she can sue the son but if under 18 she is suing him through the father (he is responsible for his minor). I could see it being different if the child did not...
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    Auto Insurance: Re: Daughter's Parked Car Hit by Friend

    Since your daughter's car only has liability on it, your insurance will not pay for the damages & then go after him- that is the best way to handle these situations. If you have an agent, give them...
  14. Auto Insurance: Re: Settling a Claim for Damaged Car and Computer

    Bad news or worst news?

    Bad news- They aren't going to pay for you for a replacement. You should get kelly blue book value for your car (don't expect excellent or even good condition price). ...
  15. Auto Insurance: Re: Insurance Company's Excessive Damage Claim Against Uninsured Driver

    So you are saying that Nationwide should have covered all the damage over $500? It doesn't work that way. If you had insurance, Nationwide would be charging them for the damages. Since you don't,...
  16. Auto Insurance: Re: Insurance Policy Cancelled Due to Household Member

    I also wanted to add, please do not commit insurance fraud. I know it is tempting when your sister is at fault not you. When people tell you to change your address on your license it is committing...
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    Auto Insurance: Re: Accident in Company Car

    Most likely your own insurance company will not pay out for a car that they were not insuring (they didn't collect rates why should they pay now). For future, when you work in a job that you drive...
  18. Auto Insurance: Re: Getting Car Insurance With an Out-of-State License

    When I worked as a agent, we always took people w/ out of state licenses. Most companies know that it does take time to get everything switched over. Then at every renewal (every six months) that...
  19. Auto Insurance: Re: Insurance Policy Cancelled Due to Household Member

    Being in the same household as some one who has driven under the influence is difficult. Mostly insurance companies don't want to take the risk of your car sitting in the driveway & your keys inside...
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    Auto Insurance: Re: Should I Pay Out of Pocket

    Most companies have thresholds for small claims. Example- under $1000 they won't raise your rates (all depends how they are filed w/ the state). The problem is that these claims still follow you &...
  21. Auto Insurance: Re: My Insurance Lapsed and Someone Rear-Ended Me. Am I Covered

    The other guy can say it was your fault. His insurance company will determine fault since they are the only insurance company involved. He could say you reversed into him & that is why the damage...
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    Auto Insurance: Re: Accident After Insurance Mistakenly Lapsed

    Do you have an agent? You can find out who is the service person for your agent. What they do is assign a service person & an underwriter for to each agent (this 2 person team inside the company...
  23. Auto Insurance: Re: Insurance Company is Playing Games with Hit and Run Victim

    Allstate has lawyers that work for you. You should file the claim w/ your insurance company (it will not affect your rates if you are found not at fault). This is how it works- 1. you should always...
  24. Auto Insurance: Re: Excluding a Spouse from Auto Insurance and Third Party Ownership

    The man who will owns the car should have a PLUP in place (personal liability umbrella policy). This will protect him from lawsuits in addition to his own auto & homeowners policies. If possible,...
  25. Auto Insurance: Re: Pulled Over with No Insurance, Had Rollover Insurance from Old Vehicle

    I can tell you what the law is in PA in this case. If the car you currently insure is removed (totaled, sold, junked, etc) but you do not have a new car to replace it with then we suspend the policy...
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