Student Car Insurance South Davis Utah UT
Reader’s Question:
Is it fine to transport students to and from school regularly in South Davis, or even on field trips, as a school employee, without any specific car insurance coverage?
Carlos
South Davis, UT
You will need to contact your car insurance provider in South Davis UT about how you frequently transport school age students in your personal car during your work hours. Whether you will need specific auto insurance coverage is up to the person’s policy, so once you inform your insurance carrier of what you do with your personal car they should be able to tell you if your current auto insurance policy is enough or if you need to make any changes.
If you have question about certain areas of coverage this should be specified , likely it is bodily injury liability coverage that you want to cover damages if you are at fault in an accident.
Tags: auto insurance, automobile, Student car insurance
Car Insurance Question Layton Utah UT
Reader’s Question:
The person who was part of the car wash drove a stranger’s Mercedes Benz into my vehicle in Layton UT. The motorist had no insurance. Is the church car wash liable for using an uninsured motorist to drive a vehicle? Is it solely the motorist’s fault? If the car owner of the Mercedes told the uninsured driver to drive the vehicle, is it the fault of the Mercedes’ owner – and his insurance cover the damage?
Tom
Layton, UT
If the car owner of the Mercedes gave permission to the driver, then the driver will be covered under that insurance policy. If that insurance policy has ‘property damage liability’ coverage, you will need to access it to fix your vehicle. If the insurance policy of the Mercedes Benz has ‘collision’ coverage, that will be used to fix any damage to that car. There may be a deductible that may apply that the motorist may be held responsible. If the church had bought some sort of liability insurance for the car wash that may be useable; but, I do not know if the church can be held accountable for this. (You will need to seek out legal advice regarding this.) Basically, the driver and the car owner of the Mercedes (if that person gave permission to the driver to drive the car) are at fault for this accident in Layton.
Tags: auto insurance, automobile