Senior Citizen Auto Insurance Carlsbad, California CA
Reader’s Question:
Can my grandfather, a senior citizen, get car insurance if he lost his driving privilege in Carlsbad, California?
Jeremy
Carlsbad, CA
Insurance provider rues and guidelines differ but a senior citizen that has lost their driving privilege (or voluntary turned it in) should be able to get car insurance to keep on their automobile so that others may be able to operate them.
The senior citizen would need to find an insurance provider that would permit the senior citizen vehicle owner to be excluded from the car insurance policy, since they do not have a valid drivers license, and instead put on the licensed drivers that will be driving the automobile. The insurance provider will rate on the driving record of those that the senior citizen would like to drive them around.
While it is possible to obtain this type of car insurance, acquiring auto insurance without a valid driver’s license can be hard since most insurance providers will require a drivers license since that is one major basis upon which they determine the car insurance rate of the car insurance policy. Most insurance provider want the vehicle owner to be licensed.
Tags: auto insurance, senior car insurance
Vehicle Insurance Coverage Los Angeles California CA
Reader’s Question:
What is underinsured and uninsured covers? How much coverage do I need for those?
Denver
Los Angeles CA
It depends on several factors when determining the amount of car insurance an individual needs. It is important that your consider risk that you and the passengers and your vehicle will likely to encounter. Most insurance agent will probably tell you to purchase as much as you can afford- which I believe is true.
If the other party that get involved in an accident is underinsured, Uninsured/Underinsured will be very helpful since it covers what the other party’s auto insurance covers and what your BI coverage will pay. If you do not have health insurance, you can benefit from Motorist Bodily Injury because if the limits that was chosen is insufficient then you will be liable for the payment of the additional cost or amount.
To cover all vehicle repair/replacement costs Underinsured Motorist Property Damage alone is not enough, and this Underinsured Motorist Property Damage will only be applied if you are involved in an accident caused by a motorist without enough liability insurance coverage.
Tags: auto insurance
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