Can I Have Two Auto Insurance Policies For Same Vehicle
Reader’s Question:
Is it possible to have 2 separate auto insurance policies for 2 separate people on the same vehicle in Taylorsville, Utah?
Gene
Taylorsville, UT
It might be possible to have two separate car insurance polices for 2 different people on one car in Utah. Auto insurance guidelines vary though so you would have to verify with an insurance carrier to check if what you want is possible.
This type of double insurance on a car is typically not necessary and may go against insurer’s underwriting guidelines, since hopefully 1 insurance policy would be able to cover all the drivers of the car.
A situation that I can think of where 2 auto insurance policies might be put on the same car is if there is a co-signer on a vehicle that wants insurance on it in case the primary driver does not carry their insurance on it as they should. Each person in this type of situation would have insurable interest in the car. If the drivers involved did not have insurable interest in the car, than it could be hard for them to put coverage on it.
Car Insurance Question in Utah
Reader’s Question:
The person who was part of the car wash drove a stranger’s Mercedes Benz into my vehicle in Layton UT. The motorist had no insurance. Is the church car wash liable for using an uninsured motorist to drive a vehicle? Is it solely the motorist’s fault? If the car owner of the Mercedes told the uninsured driver to drive the vehicle, is it the fault of the Mercedes’ owner – and his insurance cover the damage?
Tom
Layton, UT
If the car owner of the Mercedes gave permission to the driver, then the driver will be covered under that insurance policy. If that insurance policy has ‘property damage liability’ coverage, you will need to access it to fix your vehicle. If the insurance policy of the Mercedes Benz has ‘collision’ coverage, that will be used to fix any damage to that car. There may be a deductible that may apply that the motorist may be held responsible. If the church had bought some sort of liability insurance for the car wash that may be useable; but, I do not know if the church can be held accountable for this. (You will need to seek out legal advice regarding this.) Basically, the driver and the car owner of the Mercedes (if that person gave permission to the driver to drive the car) are at fault for this accident in Layton.
Can a Car Insurance Company Cancel a Policy After Inception Date
Reader’s Question:
Is it possible for car insurance company to cancel or non-renew a policy after its inception date? What are usually the reasons for insurance companies to do this? I got my car insurance in Provo, UT.
Tara
Provo, UT
Yes. There are cases that insurance companies cancel a policyholder’s insurance after it has been issued. Many state insurance regulators have set restrictions on when and why an insurance policy can be canceled after its inception date. For example, in the state of California, there are only three reasons an automobile policy can be canceled/non-renewed once it is issued. (1) Fraud or material representation; (2) Non-payment of premium; and (3) Substantial increase against hazard.
Cancellation notices should be mailed to you at your last known address stating the reason at least ten (10) days prior to the cancellation’s date effectivity for nonpayment of premium, and twenty (20) days for all other reasons. As for nonrenewal, notices must be forwarded to you at least thirty days (30) before expiration. Upon your written request, the company will give you the reason for your policy’s nonrenewal and this should be stated on the nonrenewal notice. These notices also serve as a reminder for the policyholder and give him an opportunity to pay the past due premium and keep the policy in force (if nonpayment is the issue) or to secure other insurance. I would suggest contacting your Provo, UT insurance agent to find out more information on regulations regarding auto insurance cancellations and nonrenewals.
You may contact you car insurance company in Provo to get more information on car insurance cancellation.
Where Should I Buy SR22?
Q: Should I buy my Park City SR22 through an agent or should I buy it direct?
A: Each option is a good one, although I would rather suggest buying direct, because I think it has more opportunities for saving money, as well as a higher amount of flexibility. If you buy your Park City SR22 policy direct through the car insurance company then, for example, if you move out of town you won’t have to go through any hassle. All you’ll have to do is change your address on your policy, whereas if you had an agent you would have to find a new one.
Buying through an agent requires less of your time, and so it’s good for people who are busy, but using the internet you can research and purchase your insurance so quickly that the time wasted isn’t even worth mentioning. A lot of car insurance companies discount policies which are purchased online, as well.
An agent is also a good idea for those who are new to car insurance and don’t know the ropes. However, there are many places online where you can find out about Park City SR22, so in most cases you can bypass the agent’s fee and just buy direct in one hour’s time.
What is a Utah Non Owner SR22 Auto Insurance?
Q: What is a Utah non owner SR22 policy?
A: As someone who is required to file an SR22 form in order to get your license unsuspended, you will be required to do so regardless of whether you own a car or not. If you do not own a car, then instead of getting a normal SR22 insurance policy, you will instead be required to file Utah non owner SR22 car insurance. Non owner insurance is not only for SR22s, but is also often used for business people who regularly drive a company car, or others who don’t own a car and drive cars of people who don’t have insurance.
Your Utah non owner SR22 policy will be more pricey than a similar owner-operator policy, but you will have to file fewer claims so long as you’re driving cars which are already insured. In an accident, the car’s insurance kicks in first, and yours second. If you buy your own car, then you will have to drop your Utah non owner SR22 policy and exchange it for an owner-operator policy.
Do I Need to Get Car Insurance for an Older Car?
Q: Am I required to keep West Jordan SR22 insurance on an older car?
A: If you are required to have Wes Jordan SR22 insurance at all, then you are required to have it no matter what kind of car you have, even if you don’t have a car at all. If you want to keep a hold on your driver’s license, then you have to have an SR22 on file with your DMV every month until the end of the three year filing period.
If you feel you are wasting money on your premiums for your West Jordan SR22, then you should consider whether or not driving is something necessary to you. If the answer is no, then think about letting your car insurance not renew and keep your license suspended until the end of the three years.
If the answer is yes, then you can try other ways of lowering your premium rates. Cut the coverage on your West Jordan SR22 policy down to just the minimum liability required by Utah car insurance law, and if you think it’s safe, you can cut down the limits of that liability coverage as well. Cutting your coverage will save you hundreds, and you can pocket a few more bucks by paying all at once.
Should I Remove Additional Car Insurance Coverage?
Q: I’m trying hard to pay off my car along with my West Valley City SR22 insurance every month, but it’s so difficult. Do you think if I dropped the exrta coverage my car financer will find out?
A: It’s not certain that they will find out, but if I were you I wouldn’t risk the possibility of getting your car repossessed if they do. In addition to that, dropping to minimum liability while you’re still paying off a car is very dangerous. If you get into a car accident, you could lose your car and still have housands of dollars to pay off before you could even think of getting a new one. You would ruin your credit and they would probably take you to court, as well.
Instead of taking drastic measures with your West Valley City SR22 coverage, try raising your deductibles on your extra coverages instead. If you assume a thousand dollars more in risk than what you have right now, you could save hundreds of dollars easily.
A deductible is what you have to pay out to your West Valley City SR22 car insurance company when you get into an accident before your insurance will kick in. In order to be safe, make sure you keep some money to the side so you’ll be able to pay your deductibles in the event of a crash.
What Car Insurance Coverage Should I Get with SR22?
Q: What level of coverage am I required to have on my Orem SR22 policy?
A: In Utah, you must have liabiliy coverage on your Orem SR22 in order to meet the legal requirements. As to the levels of coverage required for liability, you must have fifty thousand dollars for death and bodily injury per accident, with twenty five thousand dollars per person; and you must also have fifteen thousand dollars of property damage liability coverage.
While these are the only limits you need on your Orem SR22 in order to follow the law, they are pretty low according to many car insurance agents. Suggesed limits are often higher to protect you the most in a car accident, and tend to be around three hundred thousand dollars for bodily injury and death per accident and one hundred thousand dollars for property damage.
In addition to the state required coverages, you may also have to add comprehensive and collision coverage to your Orem SR22 policy if you are buying or leasing your car. Although this is not a requirement of the state, it is usually a requirement of the financer, and failing to get it could end in the repossession of your car.
