Whose auto insurance will cover you if driving another person?
This depends on the insurance policy. Usually your car is covered, no matter who is driving it. However, if you are driving a car and the owner doesn't have insurance, then your insurance would pay if you got in an accident.
Borrowed Vehicles for the UK In the UK - the general rule is that the driver's own vehicle insurance will pay for any accidents other than when the driver is driving a car with permission and is named on the car owner's policy. If the driver has no insurance the driver has a personal liability to… pay for injuries and damage to third parties. Either the car owner's insurance can be used to meet a compensation claim or the Motor Insurers Bureau will step in to pay compensation if no car insurance is available from either the driver or the owner. See the related link entitled "accident car insurance" - for an explanation of all forms of car insurance in the UK and the function of the MIB. Insurance Coverage in Someone Else's vehicle - USA In The USA this will vary state by state according to local regulation as well as the type of Auto Insurance Policy in place at the time. It's always best to get coverage advice from your Insurance Agent. As a general rule across the 50 states, if the owner of the "personal use" vehicle being driven has adequate coverage then that policy is treated as primary and any coverage the driver has is secondary or excess in the event damages exceed the limits of the vehicle owner's insurance policy or in the event of no coverage for the operator under the owners policy. If coverage is afforded under the vehicle owners policy then it will act as primary coverage. If not, then the drivers own auto liability insurance (if any) will step up from secondary and invoke as first party coverage. Depending on the policy language and coverage selected options, liability, uninsured motorist, pip and medical portions will all invoke and provide you coverage. Additional Considerations or possible coverage Gaps (Please add more here if you can think of some) . Your Personal auto Policy will "Not" follow you for operation of a hired business or commercial use vehicle unless you have elected business use coverage as well. . If the vehicle owner has purchased a limited form type or a " named driver " policy. though economic for those on a budget, no coverage at all may be afforded to occasional or permitted drivers. . The degree of coverage beyond the above that may invoke are dependent on various factors such as the reason for driving the other vehicle, loaners, rentals or replacement status vehicles and other local or state regulations. It's always best to talk with your agent and make sure you undertsand your coverage before loaning or borrowing a vehicle. Happy Motoring Insurance Coverage in anothers vehicle I am an auto insurance adjuster and the quickest answer to your question is - "it depends on the Owner of the vehicle's policy language". Most auto insurance policies WILL in fact cover ANY driver of the insured vehicle, UNLESS that driver has been previously excluded from the policy or UNLESS the driver has STOLEN the vehicle. This would have to be proved with a copy of a theft report filed by the owner. Now, most of the time this is the case - but NOT in all states, and NOT on all policies. I urge you to call your agent BEFORE you drive a friend's car or BEFORE you let a friend drive yours. Here are more answers and opinions from other FAQ Farmers: . The insurance will only cover you if you are listed under their insurance with the car owner. . I had to find this out in a hard way. They will, if the car owner has given you permission to drive. But if not, they won't and I fell into the second case. . A good rule of thumb is that 'insurance follows the owners liabilities as far as coverage is concerned. The policy in force on the vehicle involved in a loss will cover the damage to the vehicle itself and provide the liability limits if other parties are involved and are covered under the terms of that policy. This does assume that you had the owner's PERMISSION to drive the vehicle involved. . A lot also depends on the state. I'm in Texas - my policy specifically states that anybody that I allow to drive my vehicle is covered. At the same time, my policy will cover me in somebody else's vehicle (with the same coverages that I carry), and also cover any new car for 30 days, to allow time for me to give them the car information. They tend to be a lot more liberal than most companies though. And I don't carry collision anyway (my car is 15-years-old with 165k miles, not worth it), just theft, uninsured motorist and liability. . I think this question could vary state to state. However, in WA, the insurance on the vehicle is primary, and if the drivers has insurance on another vehicle, or a broad form policy, theirs is secondary. Hope that helps, just my 2 cents. . The vehicle's insurance is primary. If liability insurance on the vehicle is inadequate your own policy will come in as secondary and protect "YOU". . The driver's insurance applies. Think of this: how can you lower your insurance premium: you, the driver are experienced, good driver (no accident, etc.) As soon as I add my daughter to my policy, it changes to inexperienced driver and not good driver category! SAME car....! . The insurance follows the Named Insureds Liabilities. That is the general rule. However, in some states, there is case law that will hold the owner's and driver's insurers coprimary for liability coverage IN SITUATION WHERE THE DRIVER IS USING THE OWNER'S CAR AS A TEMPORARY SUBSTITUTE VEHICLE. Generally though, the driver's policy is excess or secondary. A car is insured under comprehensive and collision insurance. The Named Insured Drivers are covered for Liability purposes. For the car to be insured in the case of an accident there are stipulations placed on who can drive the car relating to driver age, experience, driving record etc. this may vary from policy to policy. It all depends, Specifically As with most questions like this, it depends. Specifically: 1. Auto insurance follows the named Insured Liabilities. So, if you're driving your friend's car and rear-end somebody, your friend's liability insurance may take care of the other vehicle's damages. 2. But what if your friend doesn't carry insurance? Most likely your insurance will step in, but if Ohio requires vehicle owners to carry liability insurance, your carrier will most likely go after your friend for the money they paid to protect you because, by law, your friend should have paid for his own coverage. 3. Does the car belong to a relative? More specifically, a relative in your household? This would likely result in your carrier denying coverage for you because you didn't tell them a relative owns a car that you're driving. How often you drive the car could also affect your carrier's decision. 4. But what if you have full coverage, and you wreck your friend's car that doesn't have full coverage, and you don't normally drive the car? Most likely, your carrier will step in and pay for the damages to your friend's car. Your carrier is "excess," but if no other first-party coverage exists, they'll usually take care of it. See #3, though, because this wouldn't apply to a relatives vehicle. insurance on the vehicle The kind of Insurance you are speaking of is a Named non-owners policy. If you are driving someones car that you borrow it needs to have insurance too. It is illegal to drive a car without insurance (for that car) The driver and owner could get a ticket for the vehicle not being insured. Insurance Coverage In my experience as an auto insurance adjuster, the car carries the insurance. It would tie up the courts if settlements were partially on the vehicle and partially on insurance carried by the driver. If your car is involved in an accident while being driven a person who does not have your permission (as the Named Policy Holder) it is possible that your insurance company, after an in-depth investigation, including sworn statements by you, may try to subrogate against the unauthorized driver's insurance. There is an excess clause in nearly every auto policy. One particular Auto Insurance carrier is famous for trying to deny coverage based on this excess clause. But, as far as I know EVERY company's policy language includes this excess clause. In MOST cases, where only PD or MD (property damage or material damage) are involved, companies will agree to pro rata shares of coverage. The above-mentioned carrier tends to dig their heels in the sand, however, and prolongs the handling of such claims, which nearly ALWAYS translates to a costlier claim process. most generally yes, your exact coverage will transfer over (if that vehicle is uninsured and there are MANY if's in this ) to this uninsured vehicle, if it meets the criteria of 'non-owned auto' 'temporary replacement vehicle' etc......but NOT on a continueing bases...you can't just insure one vehicle and drive a non insured one indefinately...understand? In the state of AZ, the insurance follows the car. Your own coverage may extend to a vehicle that you are using with permission but only as secondary coverage. 1 Until this answer is improved by an expert, this layman's answer will have to suffice. IF the driver is not named on the vehicle's insurance, the terms of the insurance policy will dictate the handling of a liability claim for the accident in which the vehicle was involved. Normally, if the driver is: 1. Legally licensed to drive, and 2. Has the permission of the owner of the vehicle to have been driving it at the time of the collision, then most policies will cover the "Permissive User." If the vehicle you borrowed does not carry insurance and you do, your insurance becomes secondary to cover the claim. The owner's insurance is primary. 1 Generally, throughout the insurance industry, if there is insurance on the vehicle involved in the collision, then that insurance is considered "primary,' and is the policy which will provide first coverage if coverage is extended to that driver. Then, IF the primary coverage is not adequate [not enough money], the driver's insurance [considered secondary] will kick in for the balance owed on the liability claim, until its limit is reached. typically the insurance on the car is primary.....if that policy has collision coverage (am assuming there is liability coverage as that is required).....the vehicle policy will repair that vehicle....if that vehicle does NOT have collision coverage and driver has a policy with collision coverage then drivers policy will step in (2nd)......if neither policy has collision coverage and the driver of your vehicle is at fault..........no company is repairing that vehicle..... and yes as mentioned which ever policy pays for the 'at fault' accident those rates are increasing......could be that both pay....yours for the other parties damage under liablity portion (if your vehicle is at fault) and drivers collision coverage (if your vehicle has no coll.cov) That is determined by the coverage clauses in both parties policy. The person whose insurance company pays will be the one whose rates increase. You usually are covered by the insurance for the car...if your friend drove your car and you had insurance on your car, they would be covered on your insurance, not their own Generally not. While you're an insured driver, it's your the policy covers only your liability. with permission from the owner, as long as there is no exclusion, and you are not a 'regular' driver, if you are using the vehicle with any regularity, you would need to be listed as an insured driver. No. The person who owns the car and has it insured will be responsible through their insurance. However, they can take you to small claims court for the amount they had to pay and will win the case. (MORE)
No. I had a friend who shared the car insurance with me and he used to live in another county.
If you are involved in an auto collision in a parking lot with a person driving a rented car whose insurance provider is liable the rental car owner or the renter?
Both. Who ever insures the car, will mainly have responsibility to crash . It depends on what state the accident was in. State law would determine who is responsible and loves
If a person has full coverage insurance on a car and another person is going to drive the car but isn't listed as a driver on that insurance are they still covered?
Answer . Normally, if you call your insurance company they will be able to answer this question for you. Since most insurance companies are different than others its always a good idea to double-check.. Answer . \nwith direct they are covered as long as they don't live in your house.
Answer . \nFirst of all AARP is not an insurance company. The Hartford insurance company is promoted by AARP. Usually the first line of coverage is with the policy that insures the vehicle involved in the accident. If that coverage is not sufficient to cover then the policy insuring the driver… of the borrowed car may be able to add extra coverage. (MORE)
In what circumstances does your auto insurance cover you and the car if you are driving a friends car?
\n. \n Answer \n. \n. \nCar insurance follows the car.\n. \n Answer \n. \nIf you are using the friend's car temporarily, with permission, as a substitute for your own insured car, your insurance should cover you if the friend's insurance does not.\n. \n Question \n. \nWhat if my f…riend (who has the car) does not have insurance and I want to pay for my faults and fix it - will he be arrested? (MORE)
If your primary vehicle is a corporate car supplied by your work do you need personal auto insurance ie does the company policy cover you only when driving that car or on all vehicles?
Answer . \nI would assume that the company policy only covers the company car. You still need at least liability coverage for any other car that you own and want to drive. If by chance you don't own another vehicle I can still think of reasons that you might want a non-owners policy. This woul…d protect you in the event that you drive someone else's vehicle that is uninsured and you cause an accident. (MORE)
Answer . \nYes, however the child should be listed on someones policy as a driver. If the child drives your vehicle with any frequency and is not listed on the other parents policy then I would highly recommend adding them to your policy and pay the extra premium.
Ultimately, the driver is responsible for everything that happens while the vehicle is moving. The DRIVER is supposed to verify that the vehicle he is driving has insurance. I have been in this position, as the owner of the vehicle. And trust me it is the owner that gets the huge fine.
Answer . \nDepends why the driver lost control - weather incidents are always at fault. If there is another party involved, this may differ.
If you are a first named insured on your policy then your liability coverage would extend to any non-owned private passenger vehicle you have permission to operate.
Answer . \nYes there is. Just find a insurance agent and they could set you up.
Answer . Most of the time they will be covered by either yours or their insurance if it's not a common practice. If I drive a siblings car here in IL, I'm covered by my insurance, but I'm not exactly supposed to be doing it daily. Call your insurance and pose the question.. Answer . yes b…ut in case of accident/if the other person drive/ your isurance does not pay. (MORE)
Answer . In most states, insurance follows the car. The policy in effect for the car is usually primary regardless of who was driving. If there are limits issues or coverage issues, then the policy held by the driver may apply as secondary coverage.
Can you file a small claims suit against a person whose insurance did not cover all your losses in an auto accident?
Depends on the state you are in. Talk to an attorney. We did here in California. Had court on 5/24/11. No one representedmy son, I got his case together for him. The other party showed upwith 3 representatives from her insurance, and they lost. If youhave a strong case against them, I say take them …to court. When theother party showed up, along with these other people. I reallythought we were going to lose. See what I had was the responsibleparty of the accident, giving her statement to the officer. Shetells him she did not know what color the light was when sheentered the intersection. No witnesses, no red light camera photo,no nothing. Just a video that I took when I got to the scene. (MORE)
If you have auto insurance get into an accident while driving someone elses vehicle will you be covered by your insurance?
Answer . You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you are in, either one or both insurance companies is responsible.
Whose insurance pays if you are driving another persons car do some damage to the car and they are not with you?
Answer . the car owners insurance. Answer . The person driving the car would need to submit a claim to their insurance company. There are a few insurance companies that will cover not only the registered owner but anyone driving the car, however this is not usually the case.
Answer . The policy stays with the car. So the first line of coverage would be that policy.
If a auto that has liability insurance cover a boat that was towed behind the auto but the boat is owned by another person?
it is suggested that you check your policy, moast even liablity, cover the vehicle and everthing attached to the vehicle, in moast states, once you attach a trailer to a vehicle it then is part of that vehicle as the same unit, check your forms to make sure.
If you have your own auto insurance policy for a different car will you be covered if you drive a car not on your policy?
If the vehicle not listed on the policy is a new car that you have recently purchased, you generally have 30 to notify your insurance company of the change. If the vehicle you are driving is just a friends car then, no. Insurance is primary to the vehicle and it is important that the owner of the ca…r have insurance on it and that any drivers of the car be listed as covered on their policy. There are exceptions to everything and these rules will vary by company. It's best to check directly with your insurance company for questions like this. (MORE)
Insurance follows the car. Your roommates insurance will cover the damage providing that he has "collision" coverage.
The insurance will not stand if some one else was driving the car, in Florida.
If you are travelling out of state, your auto insurance will extend to provide coverage in the states you are travelling to. If you are relocating, you will need to purchase insurance in your new state at the time you register your vehicle. Extended coverages between states will provide the same lim…its of liability you carry on your policy unless they do not meet state minimum requirements. If they do not meet state minimum requirements, the policy will automatically raise the limits while you are travelling if you have a claim. (MORE)
yes you can take third party insurance cover for you & your car. where the premium is very less...which will not cover your car damage , fire & theft.
In the US, at least, the answer is yes. You can sue just about anybody for just about anything. A good resource for you would be your own insurance agent. Ask him/her about how to get an insurance company to respond to the claim.
Your liability insurance does not cover medical expenses in yourvehicle no matter who is driving. Depending on your state and theregulations there, this could vary somewhat. Liability is coveragefor the party and passengers in a vehicle that you hit if you areat fault. If you are talking about a per…son in the other car thenyes, but if you mean a person in your car the answer is no. Youneed to purchase "Medical Payments" or PIP coverage to providemedical coverage fro those in your car. (MORE)
If the car that you drive is insured but belongs to another person do you have to get insurance to drive it?
Answer Yes, unless you want to be sued by the other person if something happens. Answer If this is your primary vehicle, then you must be included in the insurance policy. Answer You should check with your insurance company. You may have some personal liability. The answer depends …on many factors: . state laws . whether you live with the owner . whether any accident is your fault or you were negligent . whether you have permission or were using the car at the owner's request . whether the car was taken without permission . whether the car was being used only for the reason permission was given . etc. (MORE)
yep u can hope this helped. In most states if you are over the age of 18, it is the car that is insured, not the driver. When pulled over, the police ask to see proof of car insurance, not person insurance.
It depends on the company and policy. Some will deny it for "operating out of territory". Others will cover it and then non-renew the policy for "operating out of territory". There is no way to say for sure as it varies so much from company to company.
Yes, in the sense that the liability insurer for an at-fault driver/owner is responsible only for the actual cash value (ACV) of the damaged vehicle. The ACV is roughly equivalent to the market value of the car immediately before the collision. This takes into account make, model, mileage, accessori…es, and other salient factors. There are standard industry guides to help ascertain the ACV, and an insurance adjuster will also look to the going price of like kind and quality vehicles being locally advertised. The law of many states requires an insurer to "total" a car when the cost of repair exceeds a stated percentage of its ACV. In that case, the insurer may not have a choice, and the only things to negotiate is the precise dollar amount to be paid, and whether or not the owner will be allowed to retain the salvage. If the owner does keep the salvage, the insurer will deduct that value from the payment made. (MORE)
If the other driver is 100% at fault his will. If you are at fault both yours and the owner's car insurance are potentially on the hook, yours for driving negligently, the owner's for negligence in entrusting their vehicle to a negligent driver, among other things.
Answer 1: If you are driving with a passenger that does not have auto insurance or medical insurance, they can be covered under either your policy or the third party's policy depending upon the situation. If you are found at fault for the accident, Medical Payments or Personal Injury Protection wil…l pay the a portion of the medical expenses that you and your passengers incur up to the stated limits. If you carry Uninsured Motorist and are hit by someone with no insurance, this coverage will pay for injuries to you and your passengers as well. If you are not at-fault for the accident causing injuries and the other party has insurance, the third party liability insurance coverage will pay for injuries to you and your passengers based on the per person and per accident limits stated on the policy. Answer 2: If the passengers are travelling in your auto and, if you are at fault in an accident, your insurance will cover them. If the other driver is found at fault, his/her liability insurance will cover your passengers. (MORE)
If stolen yes, if seized legally (say as a debt or by the police) no.
There is no Such Auto Insurance Policy. You would need a Primary Auto Insurance Policy on your own Vehicle and then an attached Umbrella Policy on top of it in order to get close to this.
Maybe, it depends on if you did it intentionally or not. I would consult with your claims department for more information.
Does the auto insurance company notify of an accident if a person was driving under another person's name who is paying for the insurance?
If what you are asking is whether the insurer notifies the insured that the person was driving under his/her name when a collision occurs, the issue will probably not arise until a first or a third-party claim is made. At that time, the insurer will investigate, and will need to know the identities …of the parties involved. If the person who was driving was not listed on the application/policy as an authorized user of the car, coverage will probably be denied. This is because a premium was not paid to insure that person. Premium is based upon various risk factors personal to the person/people to be insured, and this person's risk factors would not have been able to be considered by the insurer, and therefore, no premium calculated or paid. (MORE)
You are required to have an "insurable interest" in order to legally effect coverage. If you have no insurable interest then it would be unlawful to insure someone else or their property. When it comes to property insurance a simple layman's test would be to ask yourself this question. (If the car …is wrecked? what are the consequences for me?) If your answer is none. Then you have no insurable interest in that vehicle. (MORE)
Umm... No... If your car has no insurance then then it doesn't have anyone to cover it... That's why you need insurance...
Who's auto insurance company will cover car damage if you hit a deer while driving another person's car?
In the US the insurance follows the vehicle, therefore the owners auto insurance will cover the damage as long as they have comprehensive (Other than collision) coverage. If they don't have coverage it comes out of someone's pocket. Another note is that insurance companies don't like it when you loa…n your vehicle to people not listed on the policy as a driver. (MORE)
The insurance policy on the vehicle you were driving will pay any damages assuming the owner of the vehicle and the owner of the insurance policy is one and the same.
It depends upon the kind of insurance to which you are referring. Physical damage coverage (collision and comprehensive) covers physical damage to the vehicle insured according to the policy terms. Liability insurance protects you from claims by third parties who may have sustained damages as …a result of your careless in operating an insured vehicle. The scope of damages can be either property damage or bodily injury damages. Personal Injury Protection insurance (often referred to as PIP or no-fault coverage) pays a portion of your own medical expenses and lost wages if you are injured in a collision. The insurance follows the vehicle, not the driver, so if you are a driver in another vehicle, that person's insurance is the primary insurance company unless their limits are too low and then the driver's insurance company would provide excess coverage. (MORE)
Can your insurance cover a person who has your permission to drive but is not in insurance and has a accidents?
The best advice I can give you as an insurance agent is not to allow people who are not listed on your insurance policy to drive your vehicles, ever. This is not to say your company will not cover someone driving your vehicle with your permission but it will bring up questions. Insurance companies a…re very wary these days about unlisted drivers who have claims driving an insured vehicle. Your policy states that you must notify all residents of your household as well as any regular driver of any of your vehicles. I have seen several occasions where claims are denied because the insured did not comply with these requirements. This is not to say you can't lend a vehicle to a friend whose car will not start one morning. Just remember you are also loaning them your insurance and your insurance record. How many days makes them a regular driver? A child who lives at college is still a resident of your household. Be very careful jeopardizing your insurance record that you have worked to build up. (MORE)
Will liability auto insurance policy cover a person driving your car if they have an out of state drivers license or an expired license?
It depends on why they were driving your car and on what type of insurance you bought. If you bought the cheapest coverage, usually a limited or named driver policy then there is no coverage for anyone other than those named drivers listed on the policy. If the driver was a known driver that y…ou failed to disclose, "concealed drivers" when you bought the policy, again there would be no coverage regardless of policy type due to fraud. If your not sure about your coverage just call and ask the company or contact your insurance agent for clarification. (MORE)
No. Auto Insurance provides coverage for accidental losses wheel operating your vehicle. To cover the finance note of a vehicle you would have to have purchased credit or finance note insurance offered to you by the dealership at the time of purchase.
If you have them listed as a driver on your policy then yes they will be covered. If you do not have them listed on the policy then you have violated a primary term of the policy and committed material misrepresentation. When this happens the insurance company has the right and often does deny the c…laim. You have not abided by the contract terms where you agreed to list all household members above 15 years old and have not paid any premium to cover the child driving a vehicle. (MORE)
The driver's insurance will take the lead, if something extra is needed, the person who owns the car's insurance will be secondary. Both will be involved to some extent.
Whose auto insurance will cover you if driving another person's car if Im driving on a suspended license?
No insurance company will cover you for driving whilst suspended. Any illegal activity will deem your policy null and void.
No. You policy states that you must list all household members and drivers of any of your vehicles no matter how often. Especially in the situation of a child who is related to your by blood or marriage. Be very careful with issues like this. You are not paying the company for the premium due them f…or this driver so you have no right to expect them to pay the claim when the person have an accident. The can and will deny the claim. I have seen it done and it states your requirements in the policy. (MORE)
Auto insurance follows the vehicle so the policy that is covering the vehicle you are driving will provide the coverage.
It sounds like this person will be a regular driver and as such they should be listed on your insurance as a driver. In your policy you agree to list all household residents and regular drivers. They should be listed on your policy.