Automobile Insurance Coverage Jackson, Mississippi MS

 

Reader’s Question:

If someone else is driving my vehicle in Jackson, Mississippi, and my car is not insured, am I responsible if they get into an accident?

John

Jackson, MS

Generally, yes as the vehicle owner you can be held responsible for damage a driver causes in your uninsured car in Jackson, Mississippi. As the automobile owner you have vicarious liability for those that drives your automobile. If the vehicle is not insured and your state requires car insurance, or another type of financial responsibility to be on the car, then you should not operate it or permit another person to drive the car and thus knowingly breaking the law.

Normally in an accident insurance follows the vehicle first and driver second, so you as the vehicle owner are primarily liable. If the driver causes an accident then both the you as the vehicle owner and the driver can be held responsible for the damages the driver caused while driving your car.

 

If the driver is cited for driving uninsured at the scene of the accident then in most states they can have this ticket dismissed if they provide the court the vehicle owner’s information for the ticket to be transferred to the vehicle owner. Penalties for permitting an uninsured car on the roadway can include fines, registration, suspension of driver’s license, car impoundment, etc.

 

Tags: auto insurance, driving without insurance

 

Teen Auto Insurance Meridian, Mississippi MS

Reader’s Question:

What constitutes a Principal or Primary Driver on a vehicle in Meridian, MS? Our son turned sixteen today and we added him to our insurance coverage on a car. He will be driving this car mostly, but my husband and I also drive the car and we own it.

Carl

Meridian, MS

Generally a principal or primary driver is the individual who drives the vehicle a majority of the time. So if your son is the person who will be doing most of the driving for that one particular car he will be determined to be the principal driver of it.

If someone drives the vehicle much more often than the insurance policy owner, he or she should be listed as the primary driver of the vehicle in Meridian, MS. The primary driver in large part determines the insurance premium rate, and providing false information can give the insurance carrier a reason for cancellation or denial of car insurance claim.

Insurance providers can vary on their definition for primary, secondary, principal or occasional driver though. Because to this, you will need to speak what a primary driver means to your specific insurance company.

 

Tags: auto insurance

Auto Insurance Company Gulfport, Mississippi MS

Reader’s Question:

If you get involve in an accident outside the US which is your fault, will I still maintain my low cost auto insurance if I inform my insurance carrier in Gulfport, Mississippi?

Myers

Gulfport, MS

Yes, you should inform your insurance company in Gulfport, Mississippi of all accidents, traffic violations or insurance claims regardless of scope or location.

Most auto insurance policies require the policyholder to inform insurance carriers of any accidents.

So the terms of your car insurance policy may require you to tell your insurance carrier of any accidents you are involved in, including those that may have happened out of the country. You are required legally to answer all the questions in their insurance contract accurately before you sign your name to the insurance contract.

 

Tags: auto insurance, Car Insurance Company, traffic violation