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If you are listed as a friver you should be covered under his insurance which means you should be able to add your vehicle as wee.

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โˆ™ 2006-03-14 20:37:55
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Q: If you are listed under your boyfriend's auto policy as a driver can you add the car you own to his auto insurance coverage or does he have to own the vehicle?
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Related questions

What happens if an uninsured driver borrows your insured car and gets in an accident?

Depends on the state laws. Typically driver insurance coverage is extended to any driver of the vehicle insured. Insurance covers the vehicle and any legally licensed driver with permission to operate the vehicle.


Can the driver at fault file a claim to his own insurance for bodily injury under his uninsured motorist portion of his policy if he was driving a friend's vehicle who had no insurance coverage?

No. Insurance follows the vehicle primary, driver secondary. Since the driver is at fault and there is no coverage under the vehicle itself, the drivers policy would pay for any bodily injury or property damage he may have caused. Therefore uninsured motorist coverage would not apply. The only way that driver would have coverage for himself is if he already had Med Pay coverage on his own policy.


Who is responsible when the driver of the vehicle was excluded from the insurance policy?

Car insurance typically follows the owner of the vehicle, not the driver. In the cae of an "excluded driver", unless that driver has his own policy that assumes coverage for a "borrowed" car, the original vehicle owner would be considered pursuable as an uninsured motorist.


If someone other than a family member is involved in an accident in your vehicle and is at fault whose insurance is responsible?

Barring any exclusions in the policy, the insurance 'stays with the car' so your insurance will pay for the damage to the innocent persons vehicle (under your liablity coverage). If you have collison coverage on your vehicle/policy it too will pay to repair your vehicle less the deductible. If there is no collision coverage on your vehicle and the driver has a policy with collision coverage the drivers collision coverage may step in and repair your vehicle, but ONLY if you don't have collision coverage.


Does the insurance company have to pay for a rental vehicle for a client until their vehicle is fixed if they have full coverage insurance?

Rental car coverage is an add-on, check your policy to see if you are covered - if there was another vehicle involved in the accident and the driver was at fault, his or her insurance should pick up the tab.


What happens if you wreck someone elses car but you have your own insurance?

Car insurance is just that: insurance for the car. When a contract between the insured and the insurance company is purchased, it is based on the driver and the vehicle. If the driver takes someone else's vehicle, the insurance is only for the original car. There would be no pay out for someone else's car. Example: Driver A buys insurance for Vehicle A valued at $5,000. Driver A uses Vehicle B that is valued at $35,000. The insurance cost is obviously not the same therefore the coverage is not there. In the event of bodily injury, coverage up to the agreed limits are there. Remember, health insurance does not cover care and or treatment due to a vehicular accident. I hope this helps clarify the questions.


Who pays if a driver does not have auto insurance but the passenger does?

for the driver - there will no coverage. For the passenger the same as well. It is your responsibility as a passenger, to be sure that the vehicle you are driving in is INSURED, always.


What are the pros cons coverage limitations of broad form vehicle insurance insurance on one's self as a driver vs the usual ordinary vehicle insurance that is limited to vehicles one owns?

your question makes no sense.


How can a 18 year old driver get motor vehicle insurance?

An 18 year old driver living on their own can obtain motor vehicle insurance from local insurance companies such as "State Farm" or "Farmers Insurance". These places as well as many others like "Progressive Insurance" and "Geico Insurance" can be found online for coverage.


Who is liable if you allow someone to drive your car amd he hits you with your own car and you have no unisured motorist coverage?

You have no insurance at all on the vehicle correct? And no other vehicles that have insurance? If the driver has insurance then that is where you need to go to look for coverage, if they are uninsured as well, then assuming he was negliegent (not all ped. accidents are the fault of the vehicle driver), then you will need to bring suit against the driver. Again assuming he was negliegent.


Car insurance requirements for Kentucky?

No, Kentucky law requires you to have insurance that coverage the person/people/property that you hit. It does not require that you have coverage for your own self or vehicle. Uninsured motorist coverage takes care of any damage you receive from another driver who does not carry insurance.


My parked car has full coverage and was hit by an uninsured driver?

tell your insurance company and the police and your insurance company will pay everything except the deductible. If you have full coverage than your insurance is required to make good on the damage. It is up to your insurance company to try and get their money back from the uninsured driver of the other vehicle.


I let a friend drive my car and they had an accident whose insurance pays?

If your friend was at fault- then your insurance policy will pay first. Always remember the insurance follows the vehicle, NOT the driver. If the costs of the accident exceed your policy limits, your friend's policy will respond next.


What is nonowner auto liability insurance?

This is a type of auto liability coverage that can be purchased when the buyer does not own an automobile. While auto liability insurance is typically said to "follow the car", meaning that it correlates with a particular vehicle, non-owner's coverage "follows the driver". In that sense, it covers the driver irrespective of the vehicle he/she is driving.


Can you be listed as a driver on a vehicle while going bankrupt?

being listed as a driver on a vehicle has to do with your insurance and not the company selling the vehicle. if the insurance runs your credit report before they make a final quotation for coverage, then they could possibly deny you as being an insurable driver on a certain vehicle. it probably won't happen but could depending on what state you live in.


You were rear-ended by a uninsured driver in an insured vehicle whose policy owner does not live in the same address Can you use uninsured motorist property damage coverage from your insurance company?

Well, first of all, you dont need to use your own coverage if the other vehicle has coverage. Auto insurance covers the vehicle even if the driver is not listed on the policy, unless the driver has been excluded from the policy. For example, my friend was visiting from out of state. She borrowed my car to go to the store and had an accident. My insurance still covered the damages even though she was not listed as a driver on my policy.


Coverage To Drive?

If you are driving a car in the state of Illinois, then you need to carry insurance on the vehicle. Uninsured motorists can get insurance at affordable rates if they know where to look. There is a minimum amount of coverage that the driver needs to have on their insurance. This amount is not high so that drivers can get insurance coverage at an affordable rate. However, if a driver wants to take a risk and let someone else drive their car, they need to carry uninsured motorist insurance on their policy. The minimum amount for this coverage is $20,000. This covers the driver of the car if they were in an accident and were not covered under an insurance policy. In the event of a car accident and the driver of your car or the other car were not covered under their own insurance policy, the uninsured motorist coverage would protect not only yourself but the other drivers in the accident. The coverage will pay for any medical necessities that are incurred during the accident and any wages that are lost. The coverage will only pay up to the amount that you have on your insurance policy. Anything over this amount will be the responsibility of the driver. If the accident was the fault of the other driver, then their insurance will cover up to the amount listed on their policy and then your insurance will cover the remaining amount. An uninsured policy is different than an underinsured policy. An underinsured driver has insurance, but they may not have enough coverage to pay for the expenses if the driver were in an accident. An uninsured motorist has no insurance at all. The only way that an uninsured motorist can usually drive a vehicle is if there is a family member who has taken out the uninsured motorist coverage on their insurance. An uninsured policy is not expensive to get, but it would be best for the driver to obtain their own policy as soon as possible.


How can you get liability insurance coverage for a person trying to get their license using your car and you already have coverage?

You just contact your insurer and add the new driver to your insurance policy. Otherwise you are allowing an un-insured driver to operate your vehicle.Bear in mind that a claimant can sue both the driver and the owner of the vehicle if they have been injured in an accident. They can sue the driver because he was thr direct cause of the accident. They can sue the owner for negligence because he allowed the un-insured driver to operate the vehicle.


What happens if your husband was driving you to work and hit a parked vehicle and he is not on your insurance?

Subject to any policy exclusion, he more than likely will be considered an insured driver and therefore coverage, however he will then need to be rated on the vehicle. (if he is an excluded driver already on your policy, then unfortunately you have a problem, no coverage for yours or the other vehicle).


What provides coverage if the other driver does not have car insurance?

Uninsured Motorist coverage


Does drive other car coverage offer personal liability to driver of company vehicle?

No. Your personal auto Insurance Policy provides NO coverage for Company owned or commercial vehicles.


In North Carolina if you have liability coverage only and you damage a friend's car while driving it with their permission are you considered an uninsured driver by your friend's insurance company?

No. If you are driving a vehicle with someone's permission, they assume the risk of letting you drive it and therefore their insurance company also assumes the risk. Under the policy contract, you would be considered an 'insured' because you had permission to use the vehicle. If you were responsible for the damage to your friend's vehicle and the accident was your fault, the only coverage to file would be Collision Coverage. Uninsured motorist is a coverage that would pay for damages to your friend's vehicle if you had been involved in a hit and run accident in which the unknown driver is at fault or if the other driver is known, is at fault and does not have insurance.


If someone borrows your car and total loss it will the insurance company pay for damages?

Yes. Collision coverage pays for damage to your vehicle, minus the deductible, regardless of who is driving it. Also, if you loan your vehicle to someone they are considered a permissive driver and you are liable for damage they cause in your vehicle even if they have their own insurance. Insurance always applies to the car not the driver.


If you are the primary insured driver of a leased vehicle what additional coverage do you need for one extra driver?

The extra driver needs to be added onto the insurance policy. Having someone drive a vehicle and not having them on the policy can be a large problem if an accident were to happen.


Whose insurance covers a car hitting a house?

The coverage of the car who hit the house of course, as long as the driver had permission to drive the vehicle.