The determination of coverage is in how the vehicle is classified in this case.

My initial answer to this question was no, and I will tell you why. You can’t transfer insurance coverage from one vehicle to another.

As I thought about it more though, a 49cc motor scooter is not considered a motor vehicle that has to be insured or registered in most states. It is considered a moped or even a “push bike” in some places. Because the uninsured motorist coverage will cover your injuries if you are hit by an uninsured driver while riding your bike, I believe that the coverage will transfer in this case.

In all reality though, because of complicated state laws and insurance loopholes; you really need to consult your insurance agent on this.

A U.S. car insurance policy is only valid if you are visiting Canada.

If you are living in Canada, the Canadian government requires that you carry Canadian car insurance. It is understandable that as a student you may still be a United States citizen and only in the country temporarily, but you are still living there.

The only time that the Canadian government will accept United States car insurance as proof of proper insurance coverage is if the driver is in the country as a tourist. Even then they still have to have a special card on hand issued by their U.S. car insurance company as proof of insurance extending into Canada.

In baseball, the tie goes to the runner; in insurance, the money goes to the loaner.

When you take out a loan to buy a car, the company that gives you the money is actually the legal owner of the vehicle that you now get to drive. Your name will be on the registration and on the insurance policy. However, they are the ones on the car’s title and listed as the lienholder on the insurance policy that you purchased.

Their listing as the lienholder on your car is what protects their interest in your vehicle. It also tells the insurance company that they are to be paid first in the event that your vehicle is a total loss. This is so that the money is used to pay off the money that you owe them on your car loan.

The only time you will see any money from a total loss, if you have a lienholder, is if the insurance company deems the vehicle to be worth more than what you owe to the lienholder. For example, if the insurance company determines that you vehicle is worth $5,000 and you owe $3,000, you would only receive $2,000 from the insurance company.

Even though you are out of a car, your loan (or at least most of it) will be paid off.

Don’t let your insurance company get out of paying an accident claim on a new vehicle.

You have up to 30 days to add a new car to your insurance policy. As long as you are within that time period, any accident that you get into with your new vehicle should be covered.

Now, if you do get into a car accident and the insurance company challenges you on who the registered owner of the vehicle is, you need to be prepared. Because the vehicle title will most likely not be completed yet, you will have to depend on the bill of sale. The bill of sale will show that you are the new owner of the vehicle, even if it has not been registered yet.

If your insurance company still refuses to pay the claim after you have proven ownership, you may have to get the Insurance Commissioner or the Department of Insurance in your state involved with this one. They will be able to give you any additional advice you need, or step in on your behalf with in the insurance company to get your accident claim paid.

Any insurance premium refund taking more than 10 business days should be acted on.

When you cancel your insurance policy, an insurance premium refund should be processed in the insurance company’s billing system immediately. It may not be actually processed and mailed until the next day, but the request itself is done as soon as you request the cancellation.

After the company gets the refund in the mail, it can take 7 to 10 business days to get to you through the mail. This is not the insurance company’s fault; you can blame this one on the postal service.

After 10 business days (remember don’t count the weekends) if you still have not received your check, call the insurance company for the status. You can always ask for a replacement check, but be cautious. If you ask for a replacement check, the original check will be cancelled when a new check is sent to you. So, if the original insurance premium refund check does end up showing up a couple days later, it will not be any good.