If a car has only storage insurance on it and someone else drives it can the person who has the insurance policy be held responsible and will it affect that person's insurance?
I'm assuming that "someone else" had an accident while driving this un-insured car, and that person should be held responsibility. However, if they have no assets, responsibility will fall on the cars owner, who in most cases is also the person who has the insurance policy.
In assuming that "someone else" had an accident and did damage to something other than your vehicle, other car or person, then i would go directly to or if you are deployed then call the police department and let them know that your vehicle was used without your permission(stolen) and caused damage. If you do this then the insurance company that has the storage insurance will cover you for the vehicle as well as the impending lawsuit behind the damage that the other person did and basicly make whomever had their property or person damaged would have to pass your pockets by and go after the driver of the stolen vehicle. If you do not do the police way or if you let someone drive your vehicle then the responsibility will rest on your sholders and the insurance company may not cover you at all, as not filling out the police report is like saying that no crime took place i.e. you let them borrow your car.
Thank your "someone else" for putting you in this situation
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If they were driving it with your knowledge or permission, yes. Actually, no it won't. Each person is liable for their own actions, regardless of the car they are in. The driver's insurance will go up and would also be liable for any criminal acts. I would assume that if someone else is involved i…n an accident, while driving your car, your rates will go up? Your insurance will NOT be affected if someone used your car and got a citation BUT,,, If they had an accident and had NO insurance YOU would be involved. If your registration and or insurance is not up to date, you and the driver will pay some fines and get violation points for the above. (MORE)
Barring any exclusions in your policy if the driver had your permission to drive they will be considered an insured driver thus afforded coverage.
Can you buy insurance if you do not own a car but drive a car which belongs to someone else who is not insured?
Answer . The vehicle is insured not the individual. You can pay for and obtain the insurance in the name of the owner with you listed as an insured operator.
If you are an insured driver and you drive someone elses car that is not insured are you legally insured while driving that car?
Let's refine the question a bit: if you are an "insured driver", by that term I mean someone who is named in an auto insurance policy as insured. Under that condition, you are insured even if the vehicle you are driving is not covered by a policy. An exception (we lawyers love exceptions) is if th…e vehicle is "regularly available for your use." Let's say I have two cars for my spouse and I, but also my old bachlor car that I just want to keep around as something to use if we have a breakdown in one of the other cars. I cannot fail to list that car with my insurer, and then drive it (even if only once a year--since it was "regularly available" for my use) and expect my policy to cover me. Ain't gonna happen. Same thing for any car that you can drive and in fact do use occassionally. On the other hand, if I went over to my friend's house in Eastern Washington and he asked me to go fetch (that is farming country, son) something from the store, using his uninsured car, I would be covered by my insurance policy for liability, personal injury protection, underinsured motorist coverage, etc. . In the UK - it would depend on what type of motor insurance you have. If the policy is comprehensive car insurance - typically you will find that you are insured to drive another car so long as that car has a valid MOT. This is the general rule - but you should check the small print on your motor policy to see what it includes and call your motor insurer to check if you are covered. See the link entitled "accident car insurance" for a description of the different types of car insurance in the UK. (MORE)
Answer . The driver is always responsible. It is the drivers obligation to verify insurance before getting behind the wheel. If you have insurance on another vehicle you may have some liability insurance covering YOU when you get in someone else's vehicle. Check with your agent.
Answer . If you are exercising poor judgment and allowing risky behavior in your vehicle you may get higher insurance rates. Insurance companies have access to public records and monitor vehicle and drivers license reports. Police are known for keeping great records and insurance companies routin…ely get copies of those records through reporting agencies.\n. \nBe very careful when you let someone else drive your car. Use common sense and good judgment.. Answer . Your insurance company will see you as irresponsible for allowing someone else to drive your car who was under the influence. It doesn't matter if you didn't know he was drunk, it is your car and you should protect it. (that is what they will think). It is possible your premiums will go up and they will warn you not to loan out your car.. Answer . Consider yourself very lucky that your friend wasn't stopped in a jurisdiction where the vehicle can be confiscated when stopped for a DUI. It doesn't matter if the driver is the owner or not. And the bank still wants the loan paid back. (MORE)
Answer . No, it is unwise to allow another person who is not on your policy to drive the car. If you are in the car with the driver, then it might be okay - it depends on your policy, you could call your agent to see.
Answer . Sometimes it depends on the State laws. You cannot in the State of Montana because you do not have an "insurable interest" in the vehicle.
insurance . \nnot if you are personally insured to drive that vehicle on your own policy
Answer . \nThe laws could vary by state. Usually, if you are in an accident or stopped by law enforcement, they are looking to see if the car has insurance. You can be cited and have to go to court. But all likelyhood, the states attorney may just go after the driver.
If someone else drives your car with a valid license but no insurance of their own what happens if that driver has an accident who is responsible?
Answer . \nTechnically, You are responsible for the car because the car insurance is in your name and not theirs. You can also go to court and they will investigate to see who should pay for accidental damages on the car but the Judge can also make the driver pay your cars insurance. It can go e…ither way you or them depending on evidence of the accident. (MORE)
insurance for some one else's vehicle , yes another personcan insure someone's else property, so long as you have anINsurable interest or authorization to do so and the owner isbenefited, In other words, The owner also has to be a listedinsured on the policy. If you give the permission to another p…erson. obviously they willhave an insurable interest, however, only the legal owner of theproperty can receive compensation in the event of a covered loss you can not insure the property of another when no insurableinterest exists (MORE)
Driving another persons insured Car It is always best to ask the owner loaning you the vehicle if you will be covered under his policy. If he is not sure then he should contact his Insurer and verify before you drive. It never hurts to have your own operators or non owners policy in place for addi…tional security if your an occasional driver without a car right now. Each US state regulates it's own insurance needs through it's state legislature. Insurance for a loaner would depend on the type of Policy that the Vehicle owner currently has in place as required in that state. It could also depend on the nature of the vehicle loaned or hired. If the Owner has a Limited Liability or a Named Driver Policy then no other drivers may be covered even with permissive use. If the owner has purchased a Broad Form Auto Insurance Policy then generally permitted drivers are covered. It is a common misnomer that Auto Liability follows a vehicle. In Fact, Auto Liability Insurance covers and follows the named insured(s) (usually the vehicle owner) and the named insureds legal liability that may arise out vehicle ownership and operation. Most liability coverage will even follow the defined insured to a replacement vehicle, When on a standard form auto insurance policy, liability coverage is afforded even when tertiary or third party through an accident of a permitted driver. This point of concept of vicarious legal liability of a property owner and the contracted liability of the Specific Policy Form offered by an Insurance Company is where the misunderstanding arises. Limited lines Policies though economic can leave gaps in coverage so it's best that all drivers even non owners carry financial responsibility. The Concept definitions of Legal Liability of the owner of a property and the Financial Responsibility of all vehicle operators on public roads is determined further in the US by the regulations of the individual state of registration. Answer According to law if the owner of the vehicle has insurance on the vehicle, and "loans" you the car, and you are listed as an occasional driver of that vehicle, then you are covered. Otherwise, you will have to purchase your own policy. Dependent Drivers Be careful. The answer to your question varies from state to state and you need to check the laws in your state. In the state where I live, an under 25 driver who lives with you must be insured on your policy to drive your car and it's very expensive. Insurance coverage is different if someone who does not live with you uses the car for your convenience . It can get very complicated. Insurance companies are doing more and more to mitigate rising costs of repairs, medical treatment and their liability. (MORE)
What happens if a person insures a vehicle for someone else and they have an accident and or are not licensed to drive the vehicle?
Answer . The person who deceived the Insurance Company and fraudulently insured a vehicle for someone else who really does not even have a drivers license is criminally guilty of Insurance Fraud. A Felony Offense. We can only hope this person will be sent to jail. . The person who was driving t…he vehicle without a valid drivers license was likely an accomplice to the Fraud so Lets hope he goes to jail also. . The Victims of this type of crime is the other motorist who the criminal hit and also the Insurance Company is a Victim. So we can only hope that they will seek prosecution of both parties to the fullest extent of the law. (MORE)
Answer . Owner has to insure the car, the driver has to have a licence to operate it along with insurance, some places have separate insurance from licences, but generally the owner plates it which comes with a certain level of insurance and the driver may have a licence but no insurance, so ult…imately it is the drivers responsibility to check that the car is legal to drive, if the police stop you, it will be your job to explain whether the car is properly licenced or not (MORE)
Call the insurer with the name of the insured and the policy number. They can verify if it is valid or not.
It depends on the type of policy you purchased. It may provide coverage for permissive use or it may not. Contact your insurance agent and they can advise you of the coverage you have now and recommend the appropriate coverage for you.
Why is it illegal to let someone else buy a car in their name but let you drive it and have insurance on it?
Answer . It is not as long as you are listed on the insurance and have a valid drivers license.
Can a person that has state farm car insurance let someone else drive their car even if that person is not on the policy?
How often is this person driving the vehicle, do they reside with you in the household? If you answers often and yes - and they are not on the policy, they should be a named driver in order to be covered.
Contact your local DMV or the Law enforcement department that issued you the citation. They will be happy to tell you the amount of the fines (penalty) you will need to pay and where you need to pay them.
Insuring someone elses car Yes, Someone else can insure it for driving purposes, However you may have trouble renewing a vehicle annual registration if your jurisdiction requires the registered owner be on the policy. It's usually best to name yourself as well as the owner as covered drivers t…hough. Protect your interests as well as the owners interest in the vehicle you've been given access. When done the right way, you'll have no problem with registration and inspection, you also have full disclosure with your insurer. Failure to disclose could void your policy so honesty is always the best policy. Your Agent can advise you of appropriate coverage for your driving situation and habits. Happy Motoring Insurance on Another persons Car? Yes, You can Insure the property of another person. So Long as youhave authorization to do so and the owner is benefited, or an otherinsurable interest in that property exists. An example would be a case where dad says " OK, you can use myspare car but you gotta get your own coverage". If You have permissive use from the owner of a vehicle, thenobviously you have an insurable interest. However, Only the Legalowner of the Property or the designated agent of the owner canreceive compensation for the property in the event of a coveredproperty loss. If you are insuring for liability only then this is not an issue.If you buy full property coverage, Then Dad will be proud and happyyou were prudent enough to fully insure his and your interest inthe vehicle he loaned you. List all drivers for liability purposes and list dad for propertyand liability interest. Another example would be almost every time we Rent A Car. When wepurchase the daily insurance with the rental car we insure ourliabilities in the use of Someone Else's Vehicle. You can not insure the property of another when no insurableinterest exists. It would be unlawful to insure the property orlife of another where the intent is to gain unduly from anotherpersons loss. (MORE)
in that case you would have to have full coverage, but i would check with your insurance company and see what applies to your policy. Allstate offers a great plan.
If a son who was on car insurance policy now lives somewhere else but drives second vehicle what is best way to handle insurance?
The answer lies in the titleholder of the vehicle. If you are still the titleholder, then you will need to have the car under your policy and have him listed as a driver. If he is the titleholder, he will need to insurance the car under his policy. If that vehicle injure someone or cause damage to s…omeone's property, the other party will sue the titleholder. If you are both titleholder, then I would suggest you sign the titleholder to him. (MORE)
Anything that costs your insurance company money, or indicates that you are a greater risk for an insurance loss is likely to raise your rates. If you loan your car to bad or unlucky drivers then you may see a rate increase.
Check your insurance document. In the UK, most insurance contracts allow you to drive another car with the owner's permission, but the insurance is only for Third Party, i.e. you are covered for damage to anything or anyone you hit, but you are not covered for damage to the car itself. Check, check,…check! Also check that the car has road tax paid and any MOT or roadworthiness documents neccessary, otherwise it will not be insured and you will really be in deep trouble. In the US, your coverage offers you the needed liability protection in most instances and depends on the language in the policy. However this offers nothing for comprehensive (fire & theft) and collision. (MORE)
You were driving someone elses car when you go a ticket for no registration no insurance who is responsible?
You for not checking or asking in the first place. Now if that person has these things you were asked for take them to the court and show with explanation
It depends on the policy in the USA. In most European countries only named drivers can drive a car regardless of insurance policy - rental cars are the exception for obvious reasons.
If they drive with owners permission, yes. The owner may lose their ability to keep insurance if they allow a persn with a bad driving record to drive and they have an accident.
There is not a definite answer to this question, based on the limited information which you have provided. A lot depends on the practices which may or may not be employed by your insurance company. Many companies can and will obtain information from the Secretary of State's Office. They would find o…ut about the DUI case. When you obtain auto insurance coverage, the insurance company usually asks you to certify on your application who will drive the car. If you did not name your son, then they may conclude that you breached a warranty or promise to them. Some companies will decline to pay for a loss(acccident) if the driver was someone "to whom the vehicle was available for regular use" but not listed as a driver. The definite concrete answers depend on your company. If you have a good relationship with the agent, then you may wish to discuss everything with him. You may wish to take a hard line and tell your son that he cannot use the car. It is POSSIBLE (not certain) that the whole episode will slide through and your insurance company will be none the wiser. (MORE)
Who is responsible for a car accident the car owner or the person the insurance policy is under and the car owners friend is driving owner insured owners friend?
The people responsible for an automobile accident are those who are operating the involved vehicles at the time of the accident - unless the cause is mechanical failure or some other event outside the control or any of the operators.. The person responsible for paying for the resulting damages may …be the vehicle owners or the person who bought the vehicle insurance (usually, but not always, the same person). When operator negligence is involved, the operator may be responsible for paying the damages, even though the operator is not the insured person. (MORE)
In most cases they can drive your vehicle but most insurancecompanies have restrictions on the age of the driver, usually 25 orolder. It is best to check with your insurance company beforeletting someone else drive your vehicle.
yes you can but if you wreck and they have insurance their car will be ok but your screwed
For a car to be covered, the policy must be issued in the name of the titled owner of the vehicle. No one else has an insurable interest in the vehicle.
No, in the state of Mass where i am from, the insurance is covered for your car only. It will not follow you if you choose to drive another vehicle. You may want to check the state your are in if this is different, as they may have a different type of policy you can purchase that will cover you. Wit…h my experience, the only insurance you have is your health insurance if you are driving another persons vehicle. (MORE)
it depends if you have insurance that covers all drivers in the family or all and any drivers.
No. Generally, your policy covers you and your own car. It is illegal to drive an uninsured vehicle in almost every state. If there is an accident, there will be no coverage, the car will be impounded and you will be arrested. However, insurance laws vary from state to state. You should speak with a…n agent who does business in your state. (MORE)
Most insurance companies will not, they require you to have an "insurable interest" in the vehicle.
Yes, Usually if someone borrows your car it should be covered. You should have and household operators listed on your policy though.
Who is liable if someone else is driving your car with your consent and you had no insurance on the car?
They'll go after the car's owner first. IF the driver has an insured vehicle, it would be secondary.
When a driver has no driver's license or insurance but driving a car that is insured and someone hits them who is responsible?
It's going to be very difficult to claim that it's not the fault of the person who was breaking the law by driving illegally .
What is the legal outcome of someone driving your car day in and day out that is not listed on your insurance policy?
If they have an accident, the insurance company may decline to pay. You will have to read the policy carefully to see what it says about drivers that are permitted to operate the vehicle and if there are limits on how often guest drivers are allowed.
Only your insurance company can answer that - mine does... I have insured vehicles that were not in my name and insured vehicles in my name for other drivers - Geico... I have also loaned vehicles that were in collisions and they still covered them even though I did not specifically "add a driver".
Yes i n the state of Texas there are many reasons for a separte insurance policy. The vehicle which you drive can be insured by the owner, ie bank or individual and the driver even when the driver is not on the title.
Can you add someone elses car to your insurance policy if they are on the title and it is registered to them?
No. Absolutely not. You cannot insure a vehicle that you do not own. The only exemption of this is if the owner and insured are married and live together or a dependent child living at home. Most companies want an adult child to have their own insurance policy even if they live with you. Call your a…gent and ask to be sure. (MORE)
Auto Insurance covers the vehicle, not the driver. As long as you give permission for a legally licensed person to drive your car and they are properly using the vehicle (i.e.: not racing) your vehicle is covered.
What happens when a person with a learners permit but with no one fully licensed in an insured car hits someone else Will their insurance company pay the victim or is the policy void?
In Georgia the policy follows the vehicle. This would be vicarious liability and it would be covered. However the insurance company can possibly deny this claim cause the person driving the auto obviously didn't have permission by the insured to be driving this vehicle. That's a hard one to answer..…. (MORE)
You can get an online car insurance policy through nearly every provider. Allstate, Geico, Farmers, and Nationwide all provide online service.
All property insurance coverage (auto, home, etc.) require "insurable interest" as one of the essential conditions for issuing a policy. Insurable interest simply means that you legally have some degree (1%-100%) of legal ownership of the property you wish to insure. A car titled in another person's… name does not constitute insurance interest because in the eyes of the law, you don't own it! The exception to that rule is if a car is titled your spouse, you automatically have insurable interest by virtue of marriage. A spouse is always automatically covered even if you fail to name them anywhere on the policy. The exception to the automatic spouse coverage is if the insurance company determines that you were being intentionally deceptive by not naming them. For example, not mentioning that you are married and hubby has two DUIs and a few tickets and wrecks. It's always better to name both spouses on ALL insurance policies to prevent any delays or questions when you file a claim in the future! Many insurance companies will issue a policy to you for a car that isn't titled in your name under the assumption that by requesting coverage and paying for it, you have insurable interest. BUT if you file a claim at any time in the future, they can and will verify whether it is titled in your name or not. If not, they have the legal right to automatically deny the claim! Some states require them to refund you the premiums you paid minus a $50-$100 fee if they flat-decline the claim on that basis and others don't. Regardless, you are left with a damaged or totaled car and no one to pay for it! A potential 'work-around' to the insurable interest requirement in some states is to purchase a DOC (Drive Other Cars) policy. DOC follows you to any vehicle that you drive, but pays after the vehicle's own coverage. If the vehicle has no coverage, DOC would then pay as primary. But it can be tricky and it's a little different in each state. Most DOC policies cover you driving cars that are NOT regularly parked at your address and available for your long-term use (because you cars parked at your house that you can use anytime should have their own coverage). DOC covers situations such as a loaner from a dealership, driving a buddy's truck to move some stuff for the day, etc. (MORE)
If this person is a member of your household or a regular driver of the vehicle then you have lied to your insurance company and on the application. This is material misrepresentation and will void the coverage on the vehicle. This means they will not pay for any damages or injuries caused by the ac…cident. Insurance companies do not like it whenever you loan your vehicle because they have no way to evaluate the risk. If you are doing it intentionally to avoid paying premium for a minor or person who should be listed then they will deny the coverage and most likely cancel your policy. (MORE)
Can the person who used there credit card cancel your car insurance or is that only the policy holder that can do this?
The person who is the policyholder is the only one who can request a cancellation of the policy. If however, payments are being made monthly or quarterly to a credit card they can stop the payments and the policy will cancel for non-payment. You will receive a notice of cancellation and have the opp…ortunity to change to a different form of payment to keep the policy in force. (MORE)