automobile insurance

there are two major automobile exposures for which individuals seek protection.  First, people want to be protected against their liability in case they injure someone or damage someone else's property through the use of their automobile.  Second, people want protection for damage to their own automobile in case the auto is damaged in an accident or suffers other types of damage such as fire theft.

since the homeowners forum specifically excludes auto exposures, they must be covered separately, throw policy called personal auto policy, or PAP.because the personal and sr22 auto policy contains both property and liability coverage is considered a package policy.

the personal as sr22 auto policy consists of the declarations page and a policy forum.  You sr22 policy form

the definitions section of the personal SR 22 auto policy to find certain key terms used in the SR-22 policy.  These terms help clarify the intent of various coverages and conditions. yes sr22 policy uses the words you and your to refer to the named insured shown in the SR 22 declarations and his or her spouse.  The spouse must reside in the same household as the sr22 insured.  However, if the separation occurs during the policy period or prior to the effective date of the policy is spouse is still considered uninsured for the lesser of;

90 days, the effective date of a new policy listing the spouse is a named insured, the end of the policy. a family member is any person related to the named insured food is a residence of the insured household.  This includes those related by blood, marriage, or adoption includes award for foster child.

bodily injury means bodily harm, sickness or disease including death that results from any of these.  Occupying means in a vehicle, upon a vehicle, getting in, out or off of a vehicle property damage means physical injury to, destruction of or loss of use of tangible property.  The named insureds as sr22 covered auto includes any vehicle listed in the declarations.  Vehicles eligible to be listed include private passenger autos, which are four-wheel motor vehicles and pickup trucks and vans that are under a certain weight and are not used for business purposes.  Vehicles must be owned or leased under long-term contracts of six month or more.  Any private passenger auto pickup or banned the named insured acquires during the policy.  Must be added to the policy or the SR 22 becomes null and void.

a SR22 liability coverage covers damage for bodily injury or property damage that an insured becomes legally responsible for because of an auto asked their several important concepts your first the policy only protects those who are considered insureds.  coverage applies only to damages for which the insured is legally responsible.  Finally the damages must involve bodily injury or property damage and result from an auto accident of a listed vehicle on in the sr22 policy.  The policy promises to settle or defend any claim or suit asking for such damages and promises to pay any defense costs incurred by the Company.  However, the duty to settle or defend and slim limit of liability has been exhausted.  Defense costs are paid in addition to limit of insurance.  There's no duty to settle or defend claims for bodily injury or property damage that are not covered under the policy.  For a number of important exclusions that help define coverage and reliably sectional personal auto policy.  Bodily injury or property damage caused intentionally by the insured damage to property owned were being transported by the insured damage to property rented two, used by or in the care of the insured