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Car insurance vs driver insurance?

In California, it is illegal to drive without proof of car insurance. Does that mean proof that the car I'm driving is insured or proof that I am insured as a driver? And what if you have one but not the other (like you're driving a friend's car)?

   








I need some Insurance Help?
Who pays for the home insurance when you are owner financing it? Also in the state of Texas what insurance c?
What is the best global/international medical insurance?
When should you not carry full coverage auto insurance?
Health insurance question?
Pregnant with no insurance?
What state has the most expensive auto insurance?..?
Auto insurance?
Looking for individual/family health insurance in Arizona...?
How much would it cost to insure a Toyota 1985 corolla AE86?
How can I find out what my employer pays for my health insurance?
How much would the car insurance be for a 17-18 yr old male?
What would each insurance company pay?
What insurance do you have ?
Cheapest full coverage auto insurance?
How much do you pay for your home insurance?
Is is fair that car insurance should be cheaper for girls than for lads?
Concerning GPA for good student discount for car insurance !?
How does group insurance plan differ from individual/private plans?
What would my allstate car insurance be?
Limited liability insurance for 18 year old?
How much would Insurance cost?
Car insurance in ontario?
How can I lower my auto insurance rate in California?
How does Medicaid coverage for an out-of-state College student work?
Hey im 16 and i want my licence but insurence is pretty expensive?
19 year old needs cheap car insurance?
Auto insurance required when buy new car???
Dog Bite Insurance?
How does insurance in general work?
How much is the insurance for a 16 year old with a camaro?
Life insurance question?
How will health insurance brokers be affected by healthcare reform?
How will health insurance brokers be affected by healthcare reform?
Auto insurance. Do you think it is a rip-off?
Auto Insurance?
Why is it illegal to drive without car insurance?
I'm looking at opening an insurance agency. Wondering whether to go with as an independent co. or brand name
Someone hit my brothers car. My brother had fake insurance. What will happent next? UK?
Can I have no insurance on my truck if I don't use it and own it?
Why my car insurance coming so expensive?
What is fair in payment for car insurance?
What is a good health insurance company to get?
Co op young drivers insurance (Smart box)?
Car insurance help?
Car Insurance? (New Driver)?
Do wealthier people have better health insurance than poorer people?
Can a car have two insurance policies but two different drivers?
If you crashed your car into someones, how much would insurance pay out?
How much is cheap auto insurance for a 16 yr old female?
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Actual cash value for insurance claims?
If you are paid the actual cash value for your damaged personal property, do you have to submit receipts to the insurance company or is it only to receive the replacement cost? Thank you!!"


I got an unbelievably low quote from Response Wordwide Auto Insurance.Should I switch from StateFarm?
Their quote is about 1/2 that of all others


Which auto insurance company offers the best six month rates for a 19 yr old male?
im looking for a company public or private where i can get a 6 month premium for under $2500. the rates i get or ridiculous. am i expected to cough up $6500 for a 1 yr premium at minimal coverage with all discounts (6 hr class, vin ethching,etc.)included in the premium? thanxxx in advance for ur help"


Car Insurance Claim Help?
Car Insurance Claim Help? On the 4/7/2011 I was at a set of traffic lights that was (RED) of my way to the shops. As the lights went green I begin to move off slowly as I did another car came from the left of me and tried to turn right as he speed up he crashed into the drivers side of the car. He clearly jumped a red light (Clearly Seen on CCTV). I was in total shock at the time! After he crashed into my car he went to drive off by reversing, I jumped out of my car to stood in his was so he could not drive off the witness behind me called the police while I was stopping his from driving off he started to drive forwards trying to me me out the way. After the driver spoke to the police on the phone, he then gave me his Name, Phone number and Insurance information. The next day I called my insurance company they was vary helpful and I believe the clam would be settled in my favor as I had CCTV of the crash as I had a camera inside of my car and a witness that was behind my car at the time of the crash. After nearly 4Months I have now revived a letter stating that the claim has been closed on a Without Prejudice Basis. When I contacted Aviva to see what the 3rd party has not accepted full liability they said it was dealt with like this as the 3rd party who crashed into me was not responding to and calls or letters that have send him. Aviva did not asked to see the CCTV of the crash and did not take into account the witness statement. WHAT CAN I DOOO??"


How do you get insurance and registration over the phone?
I'm not sure how this works? Can someone let me know. I'm insuring my motorcycle but the insurance I want is cheapest if I do it over the phone.


What should I do for my first motorcycle experience and insurance?
Let me start off by saying I am a 20 year old, 5'8 153 pound male in California and I've never ridden a motorcycle (not even dirt bikes). I am currently saving up money to take the Basic Riders Course so i can apply for my M1 and test out without having to take the riders test. However, once I receive that by the end of the year, I am at a bit of a stand still. I have an unsteady job while taking a full load of classes in college, know very little about insurance besides the fact that it will most definitely go up if i get a bike, and am lucky enough to have my parents give me my first car, so no little about buying a vehicle. My parents aren't exactly supporting me with this motorcycle thing so I guess this is the perfect opportunity to learn how to do a little more on my own. I'm here to ask if anyone has any tips on how i should go about this motorcycle experience. Things such as: What should be my first bike and how much should i spend? (I'm thinking about getting a Honda shadow spirit or phantom since it has pretty low horsepower, easy maintenance, and looks freaking awesome but still seems a little pricey), How much on average will insurance cost? Where should i get gear? etc. Thanks in advance to anyone who was willing to read this long *** essay. :)"


Car insurance HELPPPPPPPPPPPPPPPPP?
how much money would car insurance be on a alfa romeo giulietta turismo in white from brand new out of the show room this year on a woman driver at the age of 17 cost ???


If 15 minutes can save you 15% or more on car insurance..can 20 minutes save you 20% or more on car insurance?
i know stupid question but i've always been curious


What is a good insurance company?
i just bought a car sunday.would have to wait till monday to clear stuff with the dmv.can i get insurance meanwhile and if so which one is a good that is not pricey? i havent had any accidents in the past or dui's i'm 32.the last time i owned a car it was when i was 20 i believe.i'm going to add two cars to the insurance along with an extra driver.


Scooter insurance - where can i get cheap scooter insurance for my 16 year old son ?
My 16 yr old son is being quoted stupid prices - he has a 49cc and has past his cbt. can anyone suggest a company who specialise in young riders ?


Registering and insuring a car for a teenager?
This may vary from state to state so for the record the state is Connecticut. When you get a car for your teenager, would you register and insure it in their name or yours? When you call to add the car to insurance, do you add the teenager or just add the car to your own policy? My husband and I are confused about how this works. Our twins who are turning 16 this year were given a car by a friend of ours. We want to make sure it's all done legal and legit so that if they were in an accident it would be covered. I thought you had to add the teenager to your insurance as in the person is covered not just the car. My husband thinks we can just ad the car to our policy and let them drive it and they will be covered. I don't think so, Otherwise why wouldn't everyone do that to save the money they charge when you add a teenager? They will be taking driver's ed which is supposed to help with insurance cost so that leads me to think even more that you need to add the teenager as someone to be insured and not just insure the car. can anyone help me out here as to what the proper thing to do is to make sure we will covered properly. And who's name should the car be registered in? Can you have a car registered in your name as a minor or not? thanks"


"If I have USAA auto insurance, do Hawaii's Personal Protection and No Fault laws apply to me?"
I was recently in a minor accident with another vehicle and the other party is trying to force me to cover both his and my vehicle under my insurance. His claim is that I am at fault. However, do to the situation, it would have been a no fault accident if he hadn't been speeding since neither he nor myself did anything wrong. It was really just a bit of bad luck for us both. Unfortunately, I have no way of proving he was speeding (though I would approximate the speed to be roughly 25 in a 10mph"


What kind of insurance to get?
I come from a low income family and my health insurance is called Healthy Families. Its really basic and only covers check ups, physicals, and other things in community health clinics. I have several moles I that I would like to get checked out at a dermatologist and some help with my acne as well but I hear that dermatologist visits can get expensive. What kind of insurance can I get that won't break the bank?"


Can I buy salvage cars from insurance auctions and then resell them as-is using a seller permit in California?
I want to know if is legal to use my sellers permit to buy totaled cars or salvaged cars at auction to the resell them (as is) in ebay. would i need a dealer license if I selling more than 5 a year?


Help! Being sued for auto accident and my liability was too low. What can happen?
I just received notice from my insurance co that I am being sued for an accident that I was at fault in last summer. At the time, there were no injuries reported and we each were able to drive away. It was a very low speed accident and I was allowed to take a driving class in lieu of a ticket. Now I get notice that I am being sued for $100,000. My liability limits were only $25,000. The insurance company is asking for more info and said they will provide an attorney, but since I would be liable for $75,000, should I retain my own attorney? Should I be worried? Also I was just about to sell my home (has very little equity by the way). Am I still allowed to sell once I am served? What happens if they win? Will they attach my wages? I have no assets. Thanks so much for any help! I am about to have a nervous breakdown!!!"


Car insurance vs driver insurance?
In California, it is illegal to drive without proof of car insurance. Does that mean proof that the car I'm driving is insured or proof that I am insured as a driver? And what if you have one but not the other (like you're driving a friend's car)?


Why does owning a car have to be so expensive?
I am 16 and I'm planning on getting my license in a few months. I've been saving up for a car since I was 13 and I just found out how expensive insurance is. I have about $3200 just for the car itself but I don't think I can pay for the ridiculous insurance rates every month.


How much does auto insurance cost in Orange County?
can someone please just give me a rough estimate of the cost per month for one car? Just a used sedan, nothing fancy. I am a single male with a good record. I know it would vary based on a lot of factors, but I'm just looking for a ballpark figure for cost per month."


Why Are Some People Do Not Have Health Insurance?
UncleBadtouch I understand why your so cranky, and yes I do help the homeless...something I have done with my family since I was 11yrs. old. I am trying to brainstorm ways to help people who are terminally ill, homeless, uninsured, and basically those who really do need help. Although I can be a pessimist, I still search for ways to become an idealist."


Dental and Health Insurance?
I have a question about dental and Health insurance, I feel like this country is messed up and health and dental care is so broken. I am a full time college student away from my family and work a part time job, I have no health or dental insurance and my part time job doesnt offer any because i am part time and I definitely cant afford any with part time pay when I have to pay for bills the cost of school and everything else. I live in florida and they did not expand their medicaid and im sure i couldnt get it anyways. So is there anything I can do when it comes to say a dental emergency which i have right now. No place takes you without insurance here and I have a severely abcessed tooth and trust me I have already been to the ER twice and checked every place and found one that will take me without insurance but i have to have the money upfront to be treated and I wont have it for another couple weeks. My gums ares so swollen and I have been on antibiotics for a week now and still nothing, Like are there any programs out there that give you dental coverage in a situation like mine ?"


What insurance plan is most affordable and supports therapy?
Hi, I've been seeking good therapy since I was 17, I'm just wondering, what insurance plan is the most affordable as well as obviously covers therapy? Thank you"


How can I get car insurance on a car that my ex husband let my daughter borrow? The car is still in his name.?
My ex husband let my daughter borrow one of his cars. He lives in a different state. I had the car registered here in the state we live in, but now the insurance has expired and I can't seem to get insurance for the car now since the car is not in my name. I cannot get ahold of him at all.....phone is temporarity disconnected, etc., and I think he has not even been paying the payments on the car, since he has not been working for many months now due to the housing crisis in this country....especially the western part. I'm actually wondering why the re-po man hasn't come and collected the car yet. I will not let my daughter drive the car until it has insurance. It just sits in the driveway. She really needs a car to get to work now and it seems such a waste to have a perfectly good car just sitting there. Anyone know how I can get some insurance on this car? Or maybe should I call the bank that is financing this car and see if he is even making the payments? Would the bank let me buy the car at a huge discount if he has not been making payments? Any answers/advice for me will greatly help. Thank you so much!"


What is the average cost of a complete tune up for a 2007 chevy tahoe?
What is the average cost of a complete tune up for a 2007 chevy tahoe?


What is the average cost of sr-22 insurance ??
i need to sr-22 to get my license back after 7 years w/o driving. i lost it in 2001 due to a dui, and haven't driven since. its finally time for me to start my life over, and this is a major step to do it. i learned from the dmv (ca) that i need the sr-22 + insurance, and just a 125.00$ reinstatement cost. i know there are a lot of factors to consider, but just an idea of the cost would be great."


On average how much does it cost to deliver a baby in a hospital?
I have Blue Cross Blue Shield and I also have a secondary insurance which is Tri-Care.


I have 1 pt on my license for drive at a speed not reasonable and prudent how much insurance rate will i pay?
I pay a high rate now for 1pt for just liability and they told me it can be really 4 pt is that true? What should my rate be for 1pt


How much do you pay a month for car insurance...?
I pay $112.


Can you get an Obama Care subsidy if you get an insurance plan through an insurance agency?
Can you get an Obama Care subsidy if you get an insurance plan through an insurance agency?


What is a good vision insurance for cataract surgery?
What is a good vision insurance for cataract surgery?


Should the Government make sure that every American has affordable health insurance?
Why or why not? What is a possible solution?


How to get insurance without licence?
can i get insurance if i dont have a licence


Car insurance vs driver insurance?
In California, it is illegal to drive without proof of car insurance. Does that mean proof that the car I'm driving is insured or proof that I am insured as a driver? And what if you have one but not the other (like you're driving a friend's car)?


Is the state of California notified if i cancel my car insurance?
So I am looking to suspend my liability coverage while I am out of town for a while in order to save some money. I was told by a representative of my car insurance company (who is obviously trying to get me to pay them money) that I need to go through a difficult procedure of submitting some kind of affidavit to the DMV to certify that my car is in storage or else they will find out that my liability insurance has lapsed and come after me. My question is, are they actually going to find out that my liability insurance has lapsed? What are they going to do about it?"


How does the insurance company determine the value of your car when it's totaled?
My car just got into an accident and it looks like it's totaled. But before I work everything out with the ins co, I need some advice. I only ask because the car is only 9 months old. I hear that state farm will just write a check for the value of the car, not replace it with a new car. Is that how it works? And if so, how do I figure out how much is a fair deal with state farm, since I really need to make sure I get the max that I can because I have to pay off my loan and still get a down payment for a new car. I looked on the Kelley Blue Book but was confused by the three different categories of cars. If anyone knows how this works in Illinois or just in general, I could really use some info and advice. And before you write me off as an idiot for totaling my new car, please know that my mom took it w/o my permission and got hit by a drunk driver, so please help me if you can cause i'm already overwhemled!! FYI - It's an 06 Hyundai Tiburon GS w/13,000 miles"


What is an average price for health insurance for a 20 year old male?
i am no longer going to be a dependent on my parents health plan. i am about to be employed full time and don't go to college.


What is the best car insurance that can cover any accidents and passenger & property damage in California?
What is the best car insurance that can cover any accidents and passenger & property damage in California?


Cheap auto insurance in Florida?
I live in Florida and I'm looking for cheap auto insurance I have one stop sign ticket! Thank you.


Can you get a car and have it insured by someone else?
I hve a pretty good credit score but the thing is I don't have a license yet. I'm planning on getting a car and have it insured or even register it to his name. Is it possible since he will be the one using it? Thank you I'm from california


Non-custodial parent needs affordable health insurance?
My son lives with my ex.I pay child support and have to keep medical insurance on him.Chips only lets my ex apply but he cant he makes to much money.


What can happen if you don't list all of your tickets on an online insurance quote and buy the policy?
For instance I have a spectator to racing ticket"" when a friend of mine attempted to outspeed a car that sped by him on the highway"


Is it possible for me to get car insurance just for the summer?
I got my drivers insurance early last year, and since I'm now I'm away at college, my parents cancelled my insurance. Now that school's almost over, is it possible for me to re-activate it for approximately 3 months? Thanks! :)"


What are your rights if a person's car hits you and they don't have auto insurance?
This was a non-reportable vehicle accident. The person's car who hit mine was a manual and somehow came down the hill and hit my car. No one was in that person's car. But it rolled down and hit my car. I went to a dealer to get an estimate and it was about $955. I have car insurance, but the other guy doesn't. I have full coverage, but my deductible is $1000. What are my options? The owner of that car who hit me said that he is a mechanic and can fix my car. What should I do? Should I allow him or should I ask for his certification/license? I don't know if I can trust them either. I would rather have someone else fix it. Or should I just ask him to pay for the accident since he doesn't have car insurance? Is there a way where I don't have to pay anything? Any information what so ever will help out so much. Please give as much feed back as possible. I'm really looking for some possible answers."


My Chase mortgage has my insurance info listed as covering $1 million...why?
The home the policy covers is only a $56K condo. They say the annual premium is $1.00...which sounds almost impossible. What on earth is going on? Some extra info...I canceled my old home insurance a few months ago because I'm in the process of selling the condo.


"1 point on my driving record, will it affect my car insurance ?"
I received 2 tickets during the month of November in 2007. I'm currently taking traffic school for more expensive one, which will prevent me from getting the other one point on my record. However, I wont be able to take traffic school for the other citation, so i'll end up with a point on my record =[ How will the 1 point affect my driving insurance ?? I live in California, and I read somewhere that one point wont affect anything. I want to make sure by posting the question here... thanks"


Car insurance question???
i have just had my car stolen and was wandering if it was worth claiming on. It is insured for 2500 and they are willing to right it off and pay up but I have a new car that I need to get insurance for. My cheapest qoute is 450. Anyone have a rough idea how much my insurance would go up if I claimed for my old car?? Basically... should i just accept my losses on the old car or claim. cheers


In New York: Best health insurance on the cheap?
This information is for my stepdaughter and her family. After long term unemployment her husband recently went back to work as a trucker. He might bring home around $500 per week. They presently have no health insurance, although she said a New York State program would cover her two younger children. This leaves her and husband uninsured because his new job has no health coverage. Somehow she found a company willing to insure them for around $200+ a month. What this insurance covers I do not know. (By the premiums, I don't think much) The problem is they don't have much more than the $200+ to pay per month. Can someone tell me how to find(in New York) legitimate insurance companies with affordable cost? Also how can I educate myself on health insurance, the details, so that I can advise them correctly? They're in their late 30s and in reasonably in good health. Any an all advice greatly appreciated Tony"


Why does anyone not complain to insurance companies ?
people have auto insurance because of the fear of accidents. but when accidents occur, why does insurance companies increase their prices ridiculously? insurance are for the case of accidents. when accidents happen, we already have given them so much money. why do they need double the money from us after accidents ? were we just giving them money in free before ? i understand that auto insurance must be required but there should be some rules set by government so that they could not rob people so easily. it is like it is legal for them to rob people. i feel we should complain against it. any supporters ????"


Car insurance vs driver insurance?
In California, it is illegal to drive without proof of car insurance. Does that mean proof that the car I'm driving is insured or proof that I am insured as a driver? And what if you have one but not the other (like you're driving a friend's car)?