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Jamie Said:

What happens when you lend someone your car, and they get into an accident? How does the insurance work?

We Answered:

Wow! There are quite a few wrong answers to your question. Some people are right on track, though.

Insurance follows the car. So the owner's liability coverage would pay up to its limit first and the driver's liability coverage, if any, would pay up to its limit to cover any remainder. Every company and state vary in their coverages. It will affect the owner's premiums.

It's best for your fiancee to contact his insurance company to let them know you'll be driving his car. If you'll only have his vehicle for a few days, most likely there won't be any additional premium.

Many states do allow people who live together or who are engaged to be on the same policy. This could save you money in premiums and then you wouldn't have to worry about it, but you probably don't want to join policies if the other person has had accidents, tickets, or a poor credit rating.

Claire Said:

What is the best UK car insurance for me to get?

We Answered:

The first one, have you tried confused.com or more than, I have a Honda Civic type R on a 57 plate, more than insurance is just £278 per year, that includes roadside help, legal cover, windscreen & protected no claims.

Adrian Said:

What insurance rules govern private company car parks, must you ensure all vehicles are legal?

We Answered:

Not sure, but it seems like a load of **** to me. I don't think TAX is ANY of their business.

Peggy Said:

Dont have car insurance but was rear ended by a drunk driver?

We Answered:

You can file a claim with the insurance company of the person that hit you. Once they investigate and find out you were driving without insurance they will rightfully tell you that if you hadn't been there, the accident would not have happened and without insurance you should not have been driving.

Now while it is true you don't have to have insurance to drive in NH, there is a financial responsibility law.

New Hampshire Auto Insurance Law

New Hampshire is a tort state, according to its auto insurance law. The claimant can sue you. However, to have an auto insurance is not mandatory on the legal terms. But, if you are caught during an accident without the insurance, you have to pay for the losses immediately or have to sign on the document that says you can pay it gradually.

Mandatory Requirements:

In New Hampshire, auto insurance policy is the easiest document with which you can pay back the damages after an accident. Although it is not obligatory to have auto insurance, but if it is with you, it will help you to fight back legal proceedings after an accident.
In accordance with New Hampshire auto insurance law, other acceptable documents to prove insurance include:

1. A temporary insurance card issued by the insurer.
2. A premium receipt or insurance binder issued by the motorist's insurance agent.
3. The current declarations page of a liability insurance policy.
4. The actual liability insurance policy issued for the vehicle.
5. A certificate of liability insurance policy issued by either the insurer or an authorized agent.
6. Proof of purchase of a motor vehicle with the previous 60 days and a valid insurance card issued for the motor vehicle replaced by such purchase. The proof of purchase is to be a copy of the bill of sale if the vehicle is a pre-1975 year model, or the owner's permit (yellow) copy of the application for certificate of title for a 1975 and subsequent year model vehicle.
7. A copy of the rental agreement when renting a motor vehicle, which specifies the insurance coverage.

Based on that ruling, be prepared to pay out.

Edward Said:

Is it legal for a car insurance company to do this?

We Answered:

If I were you I would just read the insurance contract a few times.
This is fairly serious so just sit down and read it, or have a lawyer do it for you.