NLIC.org

Crystal Said:

If I never have an accident and have an insurance policy on my car, how do the police know if its valid?

We Answered:

Insurance, MOT and driving licence details are now downloaded to the police national computer.If anything is invalid it will flag up on their system.

Melinda Said:

I have a accident insurance policy and my wife also have one on me, I was in a wreck and was injuried, can I?

We Answered:

Yes, but you don't get double paid. You cannot collect twice, for the same medical bill, from two different policies.

You will have to read carefully, to see what EXACTLY you are collecting. It MIGHT be a disability payment on the accident policy, but medical bills on the auto.

Steven Said:

I've been paying on an accident insurance policy for years. If I cancel my policy, will I get any cash back?

We Answered:

Nope, no money back, unless you've got a Return of Premium clause, but those are usually only on Life Insurance policies.

Remember, you were paying so that if something went wrong in that time frame, you'd be covered. Luckily that didn't happen.

So yes, you're out your premium, but nothing else.

This is just like your car insurance, where you have to have it, but if you change carriers, you don't get any money back (unless you do it in the middle of the 6 months that you've already paid for).

Stephanie Said:

Will insurance company honor policy if driver causing accident is not on insurance policy?

We Answered:

Unless specifically excluded from driving the car, the policy should cover the damage because the car is insured, not the driver.

Dennis Said:

If my stepdaughter causes a car accident, can the injured come back on my car insurance policy to pay?

We Answered:

Liability coverage does not stack.

They would not be able to come back against your policy. The person would file an under-insured motorist claim against their own policy.


The only time liability coverage stacks is this:

You own the car and have it insured under your own policy. Your daughter (who has her own separate policy) borrows your car and causes an accident. Then the liability from the car would pay first and the liability from your daughters policy would come in and pay after that.

But in a situation where your daughter owns her own car under her own policy but lives in your household - your liability coverage would not come into play. Where this confuses people, is that liability would not stack But.....if the accident were covered under Uninsured Motorist or Under-insured motorist...depending on state law...your policy could come in after your daughters car policy.

The only other way your liability coverage would come in- is if you were negligent in your own right. Such as for negligent entrustment. Then the person could come after you for your negligence.

Your best bet is to call your insurance agent. He/She knows the language in your policy and could best advise you.

**not legal advice. Only a lawyer can give legal advice.