Auto Insurance North Pinal Arizona AZ

Reader’s Question:

I just want to know if I co-sign a loan for a vehicle in North Pinal Arizona and the primary driver causes an accident can I be held responsible in legal matters?

Tiffany

North Pinal, AZ

Generally, if you have your name on the title of a vehicle and are considered a co-owner then you have liability for the actions of anyone who drives the automobile. So if as a co-signer you had your name put on the registration or title of the vehicle then likely you will be considered a co-owner and therefore could be sought after if the main driver was in caused damages in an accident.

If you are not listed on the title of the car and only named on the loan then your risk of being involved in legal matters are not as great since you only signed to be financially responsible for the car or make payments if the primary signer fails to make payments timely.

I suggest that you contact a lawyer in North Pinal AZ that is familiar with Arizona liability laws and civil suits with regards to car accidents to know what liability you would have in your position as a co-signer on a car loan on which some else is the main driver.

 

Tags: auto insurance

Auto Insurance Claims Casas Adobes Arizona AZ

Reader’s Question:

I live in Casas Adobes. I bought a new vehicle but a week later my car was hit by a UPS truck while it was parked at work. It is a hybrid car with alot of complicated batteries and electronics. Is possible to demand for a new vehicle?

Lory

Casas Adobes, AZ

I suggest that you contact your claims adjuster in Casas Adobes, and explain in detail your situation. In addition, you may consider talking to the claims department supervisor. The insurance provider has the final say in how they choose to replace or repair your car.

As soon as you leave the vehicle dealership lot your car depreciates. So even if they completely total your car you will not obtain the full amount of what you paid for your car.There is coverage you may buy in the future that would permit you to collect the full amount. It is called GAP insurance and it can give valuable protection during the early years of your vehicle’s life. If a loss happens such as total loss in a collision, theft, etc GAP insurance will pay the difference between the ACV of the car and the current outstanding balance on your lease or loan.

 

Tags: auto insurance claims, car insurance

Automobile Insurance Tucson Arizona AZ

Reader’s Question:

I am just wondering if it is possible to have the car insurance only in my name in Tucson. The title is also under my name and my husband is already in a nursing home.

Jane

Tucson, AZ

Yes, It is possible to have your car insurance policy only in your name if the vehicle is titled in your name and your husband is no longer a member of the household in Tucson.

You should speak your auto insurance agent that your husband is now in a nursing home and you would like the car insurance policy under your name only. Insurance providers guidelines vary so some insurance companies may require you to exclude your husband as a driver in your car insurance policy.

 

Tags: auto insurance

Car Insurance Company Scottsdale, Arizona AZ

Reader’s Question:

I would like to take off my son from my insurance policy in Scottsdale, Arizona. He is 19 and has moved to his own apartment. Should I just call my insurance company or are there any verification and documentation I need to make?

Miller

Scottsdale, AZ

The process of how to take a driver off of an insurance policy is up to each individual insurance carrier in Scottsdale, Arizona so when you call in to your insurance agent to request that your son to be removed off your insurance policy, since he has moved out of the house, he or she will inform you if your calling over the phone is enough or if you will need to show documentation to get him removed.

Some insurance provider procedures require that the motorist being taken off also send in proof of residency outside of your house. Typically this can be in the form of an gas or electric bill, voter registration, car registration college registration or other type of proof of residency.

 

Tags: auto insurance, Car Insurance Company, teen insurance