How to Insure Someone Elses Car

Most insurance companies have their own set of rules when it comes to insurance policies and sometimes there is an ambiguity about whether or not you can insure someone else's car. According to some legal experts, an individual is not allowed to insure in their name any property belonging to someone else. This effectively means that you cannot insure a car belonging to your friend or a rental company. The person who owns the vehicle has to get it registered under his or her name and only then would they be eligible to obtain insurance coverage. However, if you drive someone else's car occassionally, then you can seek a non-owner's insurance policy. Typically, such policies include liability, medical and uninsured or underinsured motorist coverage. Non-owner's insurance policies generally do not include comprehensive coverage, monetary protection against collision or reimbursment for towing and rental charges. This applies to all vehicles you might rent or borrow with permission. You can also take out insurance for somebody elses car when it has been in your custody for one one reason or another. Follow these steps to determine if you can insure someone else's car:

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Step1
Determine that the vehicle you are planning on insuring is registered under the name of the owner. It may belong to a friend, relative or rental agency.


Step2
Go online and visit the Web sites of several insurance companies to learn about their policy options. Read the information carefully and thoroughly.


Step3
Set aside the names of insurance companies that offer non-owners insurance.



Step4
Use the customer service phone number mentioned on the Web site of each company to contact an agent or customer service representative to learn more about your options.


Step5
Tell the agent or representative that you wish to use a car owned by your relative, friend or a rental agency, whichever the case may be.


Step6
Inform them of the situation clearly and explain that you are planning to obtain separate insurance coverage for the vehicle in question. Be sure to mention that you are interested in getting a non-owner's policy.


Step7
Follow the procedures for obtaining non-owner's insurance offered by the company if the quote is acceptable to you. If not, contact other providers untill you get one that is.

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How to Care for Someone Who Has Fainted

Helping someone who is unconscious requires concentration, so stay calm and do your best.


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Step1
Call out to see if anyone knows CPR. There may be a health professional or someone with CPR experience within earshot who can help you. Continue to call out at least a few times, loud enough to let passersby hear you. Tell them you need help. Ask if anyone knows CPR.


Step2
If the person is an infant (under 12 months), put your ear to his mouth and listen for any breathing. If the infant is not breathing, go directly to the related eHow at the bottom of this page.


Step3
Look for a Medical Alert tag on his wrist. If he has one, do what it says.


Step4
Tap him on the shoulder and ask him if he is all right. If you get a response ask him his name, and use it.


Step5
Check his airway. Gently tilt his head back with your palm on his forehead, and with your other hand lift his chin, as if you are pulling his chin out. This will open up the airway and allow for air to easily pass through his nose and mouth to his lungs. Do Not Tilt His Head If You Suspect Neck or Head Injury!!!!


Step6
Check his breathing. Look at his chest to see if he is breathing, then put your hand on his chest to see if it rises.


Step7
Check his circulation. Place your index and middle fingers on the side of his neck directly below his chin between the front of the throat and the muscle that is next to it.


Step8
Call 911 if he has been unconscious more than a minute or two.


Step9
Tell the operator to send a paramedic.


Step10
Be ready to give the 911 operator the following information: The address of your current location, the approximate age of the person who fainted, what you know about him regarding his current condition (whether he is unconscious, partially conscious, incoherent, having convulsions, drifting in and out of consciousness, etc.), the events leading up to this, and any medical history you may know about the person (diabetes, past heart attacks, past strokes, etc.)


Step11
Loosen any tight clothing at his neck or waist.


Step12
Stay with him; ask often how he is doing, if he is okay. Reassure him.




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