General Insurance

Can I buy an insurance policy on a car I own and exclude myself as a driver?

Both you and your driver need to be listed on your insurance policy in this case. Since you own the vehicle, you should be listed as an additional interest since you have a financial stake in the car. If you have any questions, don't hesitate to ask.

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Coverage & Claims

I was rear-ended, but I'm an excluded driver. Will the damages still be covered?

Typically, when you are hit from behind the other driver is at fault. In this case, their insurance company would be responsible for the damages.

Coverage & Claims

My insurance company held me 10% responsible for not taking "evasive action." Will the 10% charge likely cause a higher rate elsewhere?

Anytime you are found liable in an accident it will impact rates. In this case, you were only found 10% liable, so it will not impact your rates as much as if you were 100% liable.

General Insurance

Can my ex-husband insure my car in his name or on his policy?

As long as your husband is going to drive the vehicle and park it as his residence, he can insure your car under his name and policy. Because you own it, you would need to be listed as an additional interest in the policy.

Eligibility

Can I get car insurance with a state ID in Louisiana?

Yes, you are able to get car insurance with a state ID although not all companies will be willing to, there are several that will. Make sure you clear up the status of your license to get the best rates.

Coverage & Claims

Could my parents' premium increase if I reported an accident to the insurance company but decided to repair the car out of pocket?

The claim can still show up on your insurance report but it would show that $0.00 was paid on the claim. Having said that, it can still impact your rate for up to five years.

Coverage & Claims

I was rear ended but I’m an excluded driver of the vehicle, will the damages be covered?

Typically when you're rear-ended, the other driver is at-fault. If they are found at-fault and they have insurance, their insurance company should pay for the damages and you being an excluded driver would not matter.

General Insurance

May I get insurance with another person different last names?

Yes, you can add anyone to your insurance policy that will be driving your vehicle or that has regular access to your vehicle. In fact, you're required to add anyone that will be driving your vehicle or any vehicle listed on your policy.

General Insurance

Does it count against you if you don't have insurance now?

Not having insurance continuously does impact your rate negatively. Once you have had insurance for six months the rates should get better.

Coverage & Claims
Eligibility

Can I sue my boyfriend's insurance for medical coverage?

Sorry to hear that you were hurt. If you are on the insurance policy you can file a claim under the Personal Injury Protection (PIP) coverage.

Car Insurance Costs
Eligibility

Car insurance when I own the vehicle someone else drives

Yes, he can!  In this instance, you are basically acting as the bank. We recommend for him to get a full coverage plan and list you as an additional interest on the vehicle.
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