The name on the insurance policy states the identity of the person who should receive insurance, following an accident, regardless of the description for the involved vehicle. That coverage speaks to issues of liability, with respect to the reported accident.

Is anyone else covered by the same policy?

The spouse of the policyholder is covered, as long as the couple lives together. Furthermore, if the spouse of a separated couple had been granted permission to drive the insured auto, and had then been involved in an accident, that spouse would be covered.

Anyone that is related to the policyholder, and is living in the policyholder’s household enjoys coverage, when driving the insured vehicle. That provision applies to those that have been granted permission to operate the same vehicle. Personal Injury Lawyer in Waterdown knows that anyone that drives the insured vehicle, after having gained permission to do so, gets granted insurance coverage.

What about coverage for the insured vehicle?

As long as a car, truck, van, SUV or other vehicle has been named in the purchased policy, it should be covered, if it were to become damaged. That provision applies to situations where the driver was the person named in the policy. It does not apply in situations where there might have been a different driver.

If the holder of the policy were to obtain an additional set-of-wheels, or a replacement for the original set, then that new acquisition would be covered. Some policies could grant permanent coverage; others might promise coverage for only a limited amount of time, commonly 30 days.

What must the vehicle-owner do after that 30-day interval? At the end of that interval, the motorist with the purchased insurance would need to have the new acquisition named on the held insurance policy. Whenever, policyholders use a temporary replacement, it gets covered automatically.

Are there any vehicles that would never be covered?

There are exceptions to the rule that all temporary vehicles should be covered. That rule does not apply to any truck or utility vehicle that has been used for business purposes. In fact, no policy would grant coverage of damage that had been received while the motorist was engaged in a business transaction.

Insurers realize that small, as well as large vehicles, might get used as part of a moneymaking endeavor. For that reason, damage to a motorcycle would not be covered, unless details on that small set-of-wheels have been added to the terms that had been stated in the original policy.

Naturally, a policyholder’s failure to renew a policy within the time span designated by the insurance company would automatically rule out coverage of the previously insured items, in the event that any of those were to become damaged.