If your personal
vehicle is insured as a commercial vehicle and other members of your family use the vehicle for personal purposes, then you may have to get a «non-owned vehicle» endorsement.
Thus, in situations where
a vehicle is insured as a private vehicle and is used to transport passengers for a fee, no insurance coverage would exist...
Not exact matches
The advantage
is lower costs — independent contractors not only usually have their own
vehicles that they maintain themselves but they
insure them and themselves
as well.
While virtually all
vehicles are now privately
insured this ratio
is likely to drop massively in the future
as self - drive cars replace privately owned ones in the urban areas.
And one additional question
as this
vehicle registration has
been suspended for about 3 months —
were the plates turned in and has the car remained
insured while the registration
was suspended?
Yes they do,
as long
as they have an active Auto & General policy and have one or more comprehensively
insured vehicle /
s on the policy.
I
was a little reluctant to follow through
as I have never bought a
vehicle online before but Sal
insured... me that once we got there I wouldn??? t
be disappointed we proceeded to drive from RI to the dealership Once there we
were speechless the truck
was more then we expected.Sal
was great to deal with and Luis made the paper work Seamless.the manger
was great too.
Nor can I offer him one of my two dozen cars to use,
as the only ones
insured for all drivers (including, who knew, young ones)
are the newer
vehicles — a 2005 Lotus Elise and a 2002 Freightliner Sprinter, the latter with 175,000 miles on the clock.
For Acura and Mercedes
vehicles with auto brake, claim frequency for injuries to the
insured vehicle's occupants tended to
be lower
as well, while results
were the opposite for Volvo.
After passing its Safety and Smog inspection by a Factory - trained Certified BMW Master technician every
vehicle is put through a meticulous reconditioning process
insuring the customer that the
vehicle they
are buying
is completely detailed inside and out,
as well
as being free of dings, dents, scratches, curb rash or any other major imperfections.
Since most carriers cover the
vehicles under their motorcycle insurance policies, shoppers can begin the process online
as if they
were insuring a motorcycle.
A high - yield savings account
is an excellent
vehicle for keeping your money safe,
as long
as the bank you use
is fully
insured by the FDIC.
• The Government has consulted stakeholders and will bring forward measures to implement Economic Action Plan 2013 initiatives to tie portfolio insurance to the use of CMHC securitization
vehicles and prohibit the use of government - backed
insured mortgages
as collateral in securitization
vehicles that
are not sponsored by CMHC.
An optional coverage available with an auto insurance policy that pays a set amount per day for a specific period of time, to rent a
vehicle while the
insured vehicle is in the process of
being repaired or replaced
as a result of a covered loss.
When you use taxable savings
vehicles, such
as federally
insured CDs or Money Market Funds with their stable share prices, you
are using post-tax money and pay taxes on any earned interest on your savings.
Your quotes will ultimately depend on circumstances specific to you, such
as what
vehicle you drive, whether you've had any accidents or moving violations in the past five years, and what liability coverage limits you choose to
be insured for.
The person whose life
is insured must sign the application, giving permission for the insurance company to collect data, such
as motor
vehicle records, prescription drug records and information submitted on previous health and life insurance applications.
Also called a multipolicy discount, bundling
is a rather simple process of
insuring your valuables — such
as your
vehicle and home — with the same company, and the savings can
be significant.
Additionally, all
vehicles used
as collateral will need to
be insured against physical damage for the entire life of the loan.
Typically, auto insurance coverage — liability and collision — will cover the
insured person's damage to his or her
vehicle in an accident, the damage to the other person's auto or property if the
insured was at fault,
as well
as medical bills, all up to the maximum stated in the policy and subject to the deductible.
Make sure that the title to any owned
vehicle insured on a business policy
is in the name of the business
as it pertains to insurance.
Liability insurance
is the minimum amount of insurance required, because it
's designed to award compensation for injuries sustained by the
insured driver
as well
as other motorists»
vehicle damage.
[42] In other words, Part 7 (at least so far
as it
is concerned with benefits following injury, rather than death benefits) has two related objects: to compensate an
insured person for a portion of the financial loss accrued from temporary total disability caused by a motor
vehicle accident; and, where possible, to do so in a manner that brings about the end of the total disability by returning the injured person to employment or self - sufficiency.
At the time of the deadly crash, the
vehicle Jared
was riding
as a passenger in
was uninsured and Jared's parents owned five
vehicles that
were insured by State Farm through four separate policies.
The Court found that the Motorized
Vehicle Exclusion was ambiguous as it relates to the nature of the activities intended to constitute an insured's «use» of a motorized v
Vehicle Exclusion
was ambiguous
as it relates to the nature of the activities intended to constitute an
insured's «use» of a motorized
vehiclevehicle.
Generally, the ORVA requires that off - road
vehicles be insured when operated, but there
is an exception in subsection 15 (9) of the ORVA
as mentioned above, which hinges on ownership.
By its question, the referring Court asks, in essence, whether Article 101 (1) TFEU must
be interpreted
as meaning that agreements whereby car insurance companies come to bilateral arrangements, either with car dealers acting
as car repair shops, or with an association representing the latter, concerning the hourly charge to
be paid by the insurance company for repairs to
vehicles insured by it, stipulating that that charge depends, inter alia, on the number and percentage of insurance contracts that the dealer has sold
as intermediary for that company, can
be considered a restriction of competition «by object» within the meaning of that provision.
The corporation and the UK - based lawyer
are registered and
insured in the relevant state in Australia, and the UK - based lawyer can give advice remotely using the corporation
as the
vehicle.
[54] Given the intention of parties to this type of insurance coverage, which
is to compensate the
insured person injured
as a result of an incident involving an unidentified automobile, it seems unreasonable to enforce a term of the contract that demands physical contact between the
insured motor
vehicle and the unidentified... [more]
The Ontario Insurance Act defines «automobile»
as either (a) a motor
vehicle required under any Act to
be insured under a motor
vehicle liability policy, or (b) a
vehicle prescribed by regulation to
be an automobile.
As such, it
was excluded from the usual requirement that it
be insured under a motor
vehicle liability policy.
(b) hold himself, herself or itself out
as an adjuster, investigator, consultant or otherwise
as an adviser, on behalf of any person having a claim against an
insured or an insurer for which indemnity
is provided by a motor
vehicle liability policy, including a claim for Statutory Accident Benefits.
(5) Despite subsection (4), if a person
is a named
insured under a contract evidenced by a motor
vehicle liability policy or the person
is the spouse or a dependant,
as defined in the Statutory Accident Benefits Schedule, of a named
insured, the person shall claim statutory accident benefits against the insurer under that policy.
If you meet the definition of «
insured»
as set out in Part 7 of the Regulations, then you can apply for no fault benefits if you've
been injured in a motor
vehicle accident.
Coverage
is available under your policy for everyone in your household who
is driving or riding in a
vehicle insured in British Columbia, or if they
are injured
as a pedestrian or cyclist.
In any action in Ontario against the licensed insurer or its
insured arising out of an automobile accident in Ontario, the insurer shall appear and shall not set up any defence to a claim under a contract made outside Ontario, including any defence
as to the limit or limits of liability under the contract, that might not
be set up if the contract
were evidenced by a motor
vehicle liability policy issued in Ontario and such contract made outside Ontario shall
be deemed to include the statutory accident benefits referred to in subsection 268 (1).
Paragraph 27 of that decision provided: «It
is thus clear that the Community legislature's intention
was to entitle victims of damage or injury caused by unidentified or insufficiently
insured vehicles to protection equivalent to, and
as effective
as, that available to persons injured by identified and
insured vehicles.»
Stacking could also mean a person who owns multiple
vehicle or
is an
insured on multiple
vehicles adding together all applicable UM and UIM policies
as the maximum recovery available.
As previously discussed, when a Defendant
is insured with ICBC their ability to set up an «independent «medical exam can
be compromised if ICBC exercised their rights to have the Plaintiff examined under section 99 of the Insurance (
Vehicle) Regulation and if that exam went beyond what
was required for a «part 7 ′ opinion.
If at the time of an accident the excluded driver
is a passenger in a
vehicle that she
is excluded from driving, she could still claim recourse against that insurer
as an «
insured person» because she
was an occupant of the
vehicle involved in the accident (criteria (b) in the «
insured person» definition».
The question
was whether he
was specified in the policy
as a driver of the
insured automobile by virtue of
being listed on the Certificate
as one of the drivers on the policy, notwithstanding
being excluded from driving any of the
vehicles on the same policy.
However, other parts of the Certificate identified him
as being excluded from driving both of the described
vehicles that
were insured under the same policy.
He
's trying to recover on an under -
insured motorist policy that unfortunately for him,
is limited by the terms of the contract to «occupying a covered
vehicle»
as defined by the USF&G policy.
In MA,
as in every state in the nation, drivers
are required by law to
insure their
vehicles.
-- On August 14, 1993, Ms. Janousek, a pedestrian,
was struck by an uninsured
vehicle driven by Shawn Montreul — After hitting Ms. Janousek, the vehicle also struck a nearby parking lot fence — The debris from the fence damaged three unoccupied vehicles in the parking lot — These vehicles were insured by Halifax Insurance Company, Canadian Surety Company and Mutual Insurance Company — None of the three vehicles came into contact with Ms. Janousek or the uninsured vehicle — As Ms. Janousek had no automobile insurance of her own to access for payment of accident benefits she submitted a claim for benefits with the Motor Vehicle Accident Claims Fund (MVACF)-- Originally the MVACF accepted the claim but on March 24, 1994 the payments ceased as the Fund believed that one of the three insurance companies should be responsible for the payments — All three companies received an application for accident benefits for Ms. Janousek but denied the claim — The insurance companies were not able to come to an agreement and resolve disputes through mediation — Ms. Janousek then applied for arbitration under the Insurance Act, R.S.O. 1990, c
vehicle driven by Shawn Montreul — After hitting Ms. Janousek, the
vehicle also struck a nearby parking lot fence — The debris from the fence damaged three unoccupied vehicles in the parking lot — These vehicles were insured by Halifax Insurance Company, Canadian Surety Company and Mutual Insurance Company — None of the three vehicles came into contact with Ms. Janousek or the uninsured vehicle — As Ms. Janousek had no automobile insurance of her own to access for payment of accident benefits she submitted a claim for benefits with the Motor Vehicle Accident Claims Fund (MVACF)-- Originally the MVACF accepted the claim but on March 24, 1994 the payments ceased as the Fund believed that one of the three insurance companies should be responsible for the payments — All three companies received an application for accident benefits for Ms. Janousek but denied the claim — The insurance companies were not able to come to an agreement and resolve disputes through mediation — Ms. Janousek then applied for arbitration under the Insurance Act, R.S.O. 1990, c
vehicle also struck a nearby parking lot fence — The debris from the fence damaged three unoccupied
vehicles in the parking lot — These
vehicles were insured by Halifax Insurance Company, Canadian Surety Company and Mutual Insurance Company — None of the three
vehicles came into contact with Ms. Janousek or the uninsured
vehicle — As Ms. Janousek had no automobile insurance of her own to access for payment of accident benefits she submitted a claim for benefits with the Motor Vehicle Accident Claims Fund (MVACF)-- Originally the MVACF accepted the claim but on March 24, 1994 the payments ceased as the Fund believed that one of the three insurance companies should be responsible for the payments — All three companies received an application for accident benefits for Ms. Janousek but denied the claim — The insurance companies were not able to come to an agreement and resolve disputes through mediation — Ms. Janousek then applied for arbitration under the Insurance Act, R.S.O. 1990, c
vehicle —
As Ms. Janousek had no automobile insurance of her own to access for payment of accident benefits she submitted a claim for benefits with the Motor Vehicle Accident Claims Fund (MVACF)-- Originally the MVACF accepted the claim but on March 24, 1994 the payments ceased as the Fund believed that one of the three insurance companies should be responsible for the payments — All three companies received an application for accident benefits for Ms. Janousek but denied the claim — The insurance companies were not able to come to an agreement and resolve disputes through mediation — Ms. Janousek then applied for arbitration under the Insurance Act, R.S.O. 1990, c. I.
As Ms. Janousek had no automobile insurance of her own to access for payment of accident benefits she submitted a claim for benefits with the Motor
Vehicle Accident Claims Fund (MVACF)-- Originally the MVACF accepted the claim but on March 24, 1994 the payments ceased as the Fund believed that one of the three insurance companies should be responsible for the payments — All three companies received an application for accident benefits for Ms. Janousek but denied the claim — The insurance companies were not able to come to an agreement and resolve disputes through mediation — Ms. Janousek then applied for arbitration under the Insurance Act, R.S.O. 1990, c
Vehicle Accident Claims Fund (MVACF)-- Originally the MVACF accepted the claim but on March 24, 1994 the payments ceased
as the Fund believed that one of the three insurance companies should be responsible for the payments — All three companies received an application for accident benefits for Ms. Janousek but denied the claim — The insurance companies were not able to come to an agreement and resolve disputes through mediation — Ms. Janousek then applied for arbitration under the Insurance Act, R.S.O. 1990, c. I.
as the Fund believed that one of the three insurance companies should
be responsible for the payments — All three companies received an application for accident benefits for Ms. Janousek but denied the claim — The insurance companies
were not able to come to an agreement and resolve disputes through mediation — Ms. Janousek then applied for arbitration under the Insurance Act, R.S.O. 1990, c. I. 8.
In Evans v Secretary of State for Transport and the MIB [2003] ECR I - 14492 (ECJ Case C - 63 / 01) the Court of Justice of the European Union (CJEU) ruled that the UK's obligation under what
is now Art 10
is to set up and maintain a system to provide compensation to victims of injury caused by untraced drivers «equivalent to, and
as effective
as, that available to persons injured by identified and
insured vehicles».
In 1975, for example, the province's regulations defined an
insured person
as «a [licensed] driver... who operates or drives... with consent»; in 1984, the licensing requirement
was dropped and the definition
was broadened
as «an individual who with... consent... operates the
vehicle»; and in 2001, the definition
was broadened further
as «an individual who with consent... uses or operates the
vehicle.»
[54] Given the intention of parties to this type of insurance coverage, which
is to compensate the
insured person injured
as a result of an incident involving an unidentified automobile, it seems unreasonable to enforce a term of the contract that demands physical contact between the
insured motor
vehicle and the unidentified automobile, notwithstanding the existence of physical evidence corroborating the fact that the relevant incident occurred
as a result of the
insured's defensive driving action directed at avoiding physical contact with another
vehicle.
As a result, it is actually less expensive to insure than many vehicles costing less than half as muc
As a result, it
is actually less expensive to
insure than many
vehicles costing less than half
as muc
as much.
Additional Interest
Insured Another person or company who may be liable for an accident involving an insured or an insured vehicle and who has been named as an Additional Interest Insured under the
Insured Another person or company who may
be liable for an accident involving an
insured or an insured vehicle and who has been named as an Additional Interest Insured under the
insured or an
insured vehicle and who has been named as an Additional Interest Insured under the
insured vehicle and who has
been named
as an Additional Interest
Insured under the
Insured under the policy.