Talk to your agent. If he can't get you answers that you believe call the 1-800 number for you company. They should be able to give you good advice unless it's the same company. Your second option is to look up your states insurance law. Every state has their own, some favoring the you and some the insurance companies. If in doubt call your states insurance commission. If the company is trying to beat you out of what you are they will fix the problem fast. We had a kid here who was in a wreck test driving a vehicle. He was at fault. The owner had told the kid it was insured and it wasn't. His insurance agent told him it wasn't covered. Here, at the time, insurance followed both the car and the driver. That means you don't have to have insurance if you are driving someone else's vehicle as long as it's insured and if you own auto insurance you can drive a vehicle that is uninsured on your insurance. After he was told, 2 years after the fact that he was indeed covered he called the state insurance commission and was reimbursed by his insurance company very fast. Had he called the company rather than his agent it would have been done right after the accident.
Some of the advice on here is good. Remember, insurance law varies state to state. You have to go by the laws of your state.
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Today's Featured Article - Experimental Tractors Article - by Danny Bowes (Dsl). Tractor technology appears to have nearly hit it's pinnacle of development. If you agreed with the subtitle, you are rather mistaken. Quite, actually. As a matter of fact, some of the technology experimented with over 40 years ago makes today's tractor technology seem absolutely stale by comparison. Experimentation, from the most complex assembly to the most simple and mundane component, is as an integral a part of any farm tractor's development
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