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This question causes more arguments between policy holders and insureds than you'd believe. But, yes, your insurance would cover it. Except for some weird instances, the insurance follows the car. If your daughter's boyfriend has permission to drive the car, he typically becomes an insured driver under your policy. And, once he's gotten permission to drive the car once, your insurance is probably on the line for any future times he drives it (unless you're willing to press charges against him for stealing the vehicle). Incidentally, his insurance would be considered secondary or excess (for instance, he hits another vehicle while driving your car, seriously injures the other driver, and the bodily injury exhausts your policy limits. His insurance would then step in -- usually -- to pick up the slack, but they wouldn't be primary).
In my personal experience in California: I loaned a truck to a "friend", he had an accident returning to my home. My insurance paid, and tried to go after the driver's insurance. Turns out he was uninsured. So they added him to my policy for three years and raised my rates 83% (to $1600 a year). They say I can't remove him from my insurance for three years. They paid out $2600 and after three years they will profit $2200.
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Who is liable in a multi-car accident?
The person that is responsible for the accident.
What is your liability as a co-buyer if there is an accident and the car was not being driven by either buyer but a third person?
if the third party had permission (or implied permission) to drive (from an owner or agent of the owner) and the policy doesn't exclude them.......the owners and the driver will be held liable.....
If the driver of a car is liable for an accident who is liable the owner of the car or the driver's insurance company?
The owner of the car is liable for the accident itself and the damage. However, the insurance company might have to pay for it, depending on the owners insurance cover.
Who is liable if someone borrows your car and gets in an accident?
The fault lies with the vehicle that cause the accident. When someone borrows a car, the car owner can be liable because the allowed someone to drive the vehicle. Often this type of accident has to be sorted out in court.
What could be negligent third party?
Could have several meanings . . . an example might be a traffic accident where your car was struck by another party. . . and then, out of a clear blue sky, another car (the third party) comes along and strikes you also.
What do you do if you were not at fault for the accident but have no insurance?
hope to god the other car has 3rd party insurance. Third Party insurance covers you for damage caused by your car to property owned by a third party in the event of an accident. That means you're covered for any damage you may accidentally cause to someone else's property.
Who is liable for my adult daughter's car accident?
Who is the owner of the car your adult daughter was driving, you or her? If you, you can both be liable. Her as the driver, and you as the owner of the vehicle
Who is liable in a chain reaction car accident?
i was rear ended in a 3 car pile up on the highway, whos insurance is liable for my car repairs
What if an insurance company denies my third party claim when they are at fault in car accident?
Then it's time for a lawsuit.
Who is liable if an friends takes your car without permission and knows it not road worthy and get into an accident.?
The friend who took the car and got into the accident, if the accident is caused by the car's un-roadworthiness.
What is third party in car insurance?
Third party insurance basically protecting yourself from the actions of another persons. It covers the damage you caused to a third party only - injury, death, and/or property damage caused to a third party in the event of an accident caused by the use of the vehicle.
When a auto is borrow by a friend who is liable for an accident?
the person that owns the car
