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That will depend on the laws of the state you reside in. You can get detailed information at your state's department of Insurance - they probably have a web site. It will also depend on the language of your auto policy - read section regarding "Other Insurance".

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โˆ™ 2006-06-02 20:49:45
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Q: If your 21 year old daughter who is covered on your insurance policy drives another person's car is that owner's insurance liable in case of an accident or is yours?
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What if your daughter has a car accident with your car?

This is actually a pretty complicated question. If you have insurance and your daughter is on your policy, you are covered. No worries. If you have insurance and your daughter has her own insurance, you are covered. If you have insurance and your daughter has no insurance, is not on your policy, and isn't part of your household, you are probably OK. Insurance will accept her as an alternate driver. If you have insurance and your daughter has no insurance and no license, you most likely have a rider on your insurance policy that says she is not a covered driver. You may be screwed. Depending on the state you live in, you may still have minimum liability and the other coverages may be void. If you have no insurance and your daughter doesn't either, you are screwed. The other driver and their insurance company will sue her (as driver) and you (as registered owner) and you are each jointly liable for the full amount of damage. With no insurance company to negotiate for you, you will be paying till it hurts.


Do I need to report an accident to my insurance if I had the accident in my husbands car and his policy covered it?

No.


If someone is driving your car and you do not have them on your insurance and they get into accident are you covered?

Although it depends on your insurance, the driver is covered if driving with your permission.


If your husband has his own insurance for his vehicle and you exclude him the insurance on your car will he be covered by his insurance if he was driving your car and had an accident?

You have to list the drivers covered to drive your car on the policy. If not he is not covered.


What happens if the person that hits you is covered in another state?

Nothing happens if a person that hits someone in their vehicle and their insurance is covered through another state than the accident happened at. Car insurance companies will pay for damages no matter where they happen at.


I am covered on my mothers auto insurance she has comprehensive if i drive someone elses car and get into an accident will i be covered?

you are covered ONLY if the owner of the car you are driving is insured for occasional drivers. Your mother's insurance has nothing to with another 's person's car that you have borrowed.


Your daughter caused an auto accident while on your policy She no longer is on it and is being sued from the woman she ran into Does your insurance policy still have to pay?

They should as long as she was covered at the time the accident took place, it was reported, and an accident claim was filed.


If a car is stolen and has an accident are the vehicles hit covered by insurance?

no


Who gets paid in car accident?

Everybody covered by the insurance


Get into an accident without a license will your insurance cover it?

If you are covered by an "Active" auto insurance policy then you will be covered, whether or not you have an active drivers license.


If you have an accident and then reinstate your insurance are you covered?

If the accident occurred after your policy lapsed and before reinstatement, no, it won't.


If you bought an insurance policy that does not go into effect until midnight and you have an accident at 11pm will your vehicle be covered?

No. After midnight, it's another day.


What topics are covered on a car insurance forum?

A multitude of topics are covered on car insurance forms. Some examples of topics covered include the following: how to make an insurance claim and what to do after an accident.


If you agree to an accident settlement with the insurance company can you sue the business that was involved and covered by the insurance provider?

No.


Will my car insurance cover this accident in new jersey?

Contact your insurance provider and go over the policy to determine if you are covered for said accident. Not all accidents will be technicalities or covered, so its good to be in the know. Contact your insurance providers immediately.


Is my daughter covered under my insurance if she is not on the policy and does not live with me?

No chance.


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.


How do i find a person's insurance company?

If you were involved in an accident with this person then their insurance information will be listed on the accident report. If you were not involved in an accident then it is not your business who they have insurance with. Much of this is covered by the privacy laws so if you really have to know ask the person.


If you borrow a motorcycle and have an accident are you covered on their insurance?

Only if you are a named driver on the policy.


Are drunk drivers covered under their auto insurance policy in an accident?

Yes.


If you were in an accident at eight and bought insurance at eleven are you still covered?

Not really. There is something called a "binder", where you are covered with a phone call. But if you are in an accident, you really can't buy insurance three hours later and expect them to pay the damages.


What is covered by commonwealth insurance?

The things that are covered by Commonwealth insurance are things such as getting into a car accident, house burning down, and hospital stays when a person is sick.


What is covered in a commercial liability insurance?

Yourself and the cargo you are carrying should be covered under this insurance. It also protects your company from liability in case of an accident or emergency.


If you got auto insurance coverage and were in an accident the same day what is the coverage for a claim?

Insurance is VERY specific when it comes to when coverage starts. If you had the accident BEFORE you got insurance any damage sustained before you purchased the policy damage would not be covered. If you had an accident after the purchase of the policy then any damages would be covered.


If you are riding in a car and an adult is driving are you covered by insurance in case of an accident?

Only if the car you are riding in has insurance coverage.