Yes, but only if you are covered for business use.
If not, then no, they do not have to pay up as you were using your vehicle outside of the policy.
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.
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NO. the accident happened while he had his fathers car insurance. If he switches insurance he still uses the insurance he had when he got into his accident. However, your health insurance with pick up the difference.
Generally, your coverage expires at midnight on the last day of your policy. Until then, you are covered. There may be some time limit during which you must report an accident, but if it happened while you were covered, the insurance company should take care if it.
The insurance should cover an accident while it was in force. If you had insurance 2 months ago and the accident happened 2 months ago, coverages should apply. If the accident happened today and the coverage stopped 2 months ago, there should not be coverage.
Boy does it ever. You should be sitting down when you get the letter from your insurance company. Sorry!
You may not be covered if there is an accident. For instance; you signed up for a policy while working a 9-5 job and the driving is 40 miles both ways. Later on, you get a paper route and are driving much more, but fail to tell your insurer about this and you get into an accident while delivering papers. Your insurance may not cover you because you failed to notify them of changes.
If you have insurance yourself you are insured to drive someones car. If you have an accident your insurance will cover it.
Your auto insurance will cover your son while on a lerners permit. Check with your company as some require that he be listed as a driver and you must pay premium while others do not require that he be listed until he gets his regular license. If you insurance is telling you that there is no coverage while he is on the permit then you need a different insurance company.
The long term insurance coverer for you does The long term insurance coverer for you does
If you report the incident to your insurance company, and want them to cover the damages, it's more than likely they will consider it an 'at fault' accident, and it's possible your rates will increase, especially if it's not your first accident. The best way to avoid insurance rate increase in this situation is to pay for the damages yourself out of pocket, and not report it to your insurance company.
Auto Insurance follows the car not the driver. My son's girlfriend was driving his car when they where in an accident and his insurance was responsible.