Eligibility How do I get insurance for making deliveries if I'm borrowing a car?
A non-owners insurance policy provides liability coverage for drivers who don't own a car. However, if the vehicles aren't insured and registered by your mother-in-law, you are still not going to be legal on Colorado roads. As for making deliveries, you will need a personal policy that also covers your business-use.
Most Recent General Insurance
Uninsured and underinsured bodily injury coverage is a policy-wide coverage. If you add it to one vehicle, it will be on all of them.
Your insurance company will never get involved in helping you repair your vehicle if there was no accident or other loss that caused the damage. Since there was no accident, you are on the hook for paying for your vehicle's repairs.
I wish there was an easy answer, but I would suggest discussing it with an agent. It is true if you have access to a vehicle most companies will be hesitant to give a non-owner plan.
Coverage & Claims
Thanks for your question. In most cases, you can file a claim for up to two years after the loss.
You do not have to have insurance if you do not own or are driving a car. However, having a lapse in insurance will cause your rates to be higher once you do start a new policy.
Hello, Getting car insurance can be quite complicated for foreign drivers, especially with short-term car rentals. Since you are renting the car from your host I assume that you will be living at their address.
Hello, This is a common problem with many drivers of advancing age. It's really impossible for anyone other than your mother's doctors to determine her ability to get behind the wheel.
Insurance companies run a soft credit check when they run your credit. We can quote you with several carriers at The Zebra. Good luck and if you have any questions, don't hesitate to ask.
Coverage & Claims
Most insurance companies require you to inform them anytime there is an accident. Typically when someone backs into you, their insurance will pay for the damages.
To dispute your Motor Vehicle Report (MVR) you will need to contact the Department of Motor Vehicles. The MVR comes from Colorado's state records of violations.