Personal Insurance

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Insurance follows the vehicle. So if any claim is reported, it should be on the work vehicles insurance company. If someone were to file on YOUR own personal auto, that you were not driving, they will most likely deny it, since you were in a work vehicle. You have notified your employer about this accident, haven't you? If not, better do so. good luck By: lucy 2012-01-08 08:29:22

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Every adult in France has to have a personal insurance, covering any damage that person could do. If you break a window your personal insurance will cover it, if you hurt someone your personal insurance will cover it. Children at school also have one, cheaper than adult insurance of course. You standard travel insurance might not cover it all but you have to check this yourself as it depends what kind of travel insurance you have, or if any personal insurance you have at home would cover you abroad. This has not to be a very expensive insurance but it is mandatory in France. Ask the school if they can give you the name of an insurance or two and ask them for the price. The name in French is "assurance responsabilité civile". By: Cabal 2011-10-16 10:02:44

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I found www.ehealthinsurance.com helpful. The site lets you compare price, benefits, and AM Best Rating of many insurance companies. The only time consuming part if you find a policy you like is filling out your medical history. By: Limbonia 2007-11-02 10:48:15

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Yes, insurance follows cars, but it's pretty obvious your 'friend' does NOT want to loan you his car, and is using insurance as an excuse. If yours is in the shop, ask about a loaner. If they don't have one, go rent one. By: oklatom 2008-05-07 15:26:22

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Check your policy documentation first, but you have already stated you did not take rental car protection, so my guess is that your policy will not cover you. By: 2011-12-04 10:13:33

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Typically, when a property transfers ownership and a mortgage is put in place, there are two types of policies issued. 1. Mortgagee Policy (covers the lender's mortgage and insures that it is the first, best lien on the property) 2. Owner's Policy (covers the new owner's interest in the property) Think of it this way. You carry insurance on your car, in case there is an accident. The insurance pays for damages that may occur to your car in the future. You (hopefully) will carry homeowner's insurance, which will pay for damages to your house in case of a fire, etc in the future. Your Owner's Policy of Title Insurance protects you against things that may have happened in the past. You pay a one-time fee that is collected at closing, that insures that no one else holds any interest in your new property (except for the lender on your new mortgage). It is your proof that the chain of title was clear up until the date and time that you deed filed, and no one can claim that they are "owed" something from your home. Examples: 1. A previous owner died, and one of the heirs did not get their portion of the proceeds from the sale of the property. 2. A previous owner divorced and their spouse did not get their half of the proceeds from the sale of the property. 3. A lien was filed against a prior owner that was never paid off and released. If, in the future, you decide to refinance or sell the property, a new title search may be done. Chances are that a different examiner will do the search. If they come across something that shows a problem with your title prior to the date/time your deed filed, the owner's policy protects you against that claim. You can file a claim against the underwriter who issues the owner's policy for payment of any losses incurred. Get an owner's policy, and keep it with your important documents. By: effeykins 2007-12-26 17:48:50