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If your friend received a DWI in your vehicle will that affect the rates on your insurance?
Wiki User
∙ 8y ago
I work at an Insurance Agency in Michigan, and I know in this state you're insurance would NOT go up. Insurance goes by a person's own record to determine their insurance premium on their own vehicle. If the person with DWI gets insurance, it will show on their record, which would make their insurance higher.
It may not show up on your record but it sure speaks volumes about your level of stupidity, to allow a person to drive YOUR car while drunk. What if that person had KILLED somebody, with YOUR CAR?
In that case, your insurance company would drop you like a slimy dead fish, and you would be ON YOUR OWN.
No insurance coverage, and if you were to be convicted in a civil trial, you could be working for the REST OF YOUR LIFE to pay off the trial jury's award to the dead person's kin. MILLIONS of dollars, and you would own all of the debt. You would never be able to own a house, and your kids would own the debts after you die.
Wiki User
∙ 8y ago
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If I get a traffic violations does it affect someones insurance?
It can affect: 1. Your insurance premium (for your own vehicle, or your parents vehicle if you are on their policy. 2. Your employers insurance premium (if you drive for work) It will NOT affect: 1. Your friend's premium, unless you are scheduled as a driver on the policy
Does homeowners insurance cover a garage door that was hit be a friends vehicle and his vehicle?
Your homeowners insurance will cover your garage door subject to your deductible since it is part of your house. Your Home insurance does not cover damage to a vehicle though. That's what Auto insurance is for. Your friend will need to contact his auto insurance to fix his vehicle.
If a person is driving their parents car under their parents' insurance and lets a friend borrow the car if the friend gets a ticket will the ticket affect the parents' or friend's insurance?
I believe the Parents insurance go up!
Do you have to have insurance full coverage if you are not driving a car that you are still paying on?
Yes & No. You still have to have liability coverage, which is the lowest type of car insurance, if you plan on driving another person's vehicle. Because, several years ago, I drove my friend's vehicle and the brakes went out and I rear-ended another vehicle. My friend did not have insurance on his vehicle, so my license was suspended for three months for no insurance. I advised the DMV that the vehicle wasn't mine! But, they told me that it doesn't matter! I should have had liability insurance anyways, if I was planning on driving someone Else's vehicle!
Whose insurance should pay if you get in an accident in your friend's car and damage is done to the car?
Insurance follows the vehicle, not the driver.
My friend was picked up for a DUI in my vehicle and i was in the passenger seat Will my insurance go up?
No.
Will accident on friend's insured car affect my driving record and my car insurance?
I guess you were driving? The ticket (if you received one) may, also if a clue is run then that too may show up. Be sure and be truthful when filling out any application for insurance.
What happens if you let a friend drive your car that is insured and registered in your name and she has an accident will that affect you at all?
Yes. It is your car, you are responsible.Owners LiabilitySince you state that the vehicle and the insurance is in your name. Then presumably your insurance will have to pay the bill. That means the accident will go on your insurance claims record and can effect your insurance rates for the next 3 to 5 years.Remember that a vehicle owner and the driver are both equally, severally and jointly 100% liable financially for any damages or injuries arising from the permissive use of your vehicle.
Whose insurance company pays if you let your friend borrow your car and they hit a deer with it?
The insurance follows the vehicle so your own insurance company would be primary. However, if you don't carry the comprehensive coverage on your own policy and your friend has a vehicle with comprehensive coverage, his coverage would be secondary and pay for the damages.
Whose insurance pays when a 16 year old totals a friend's car if she had permission and the friend was with her but neither had serious injuries?
insurance stays with the car......if collision coverage on the vehicle it would pay......
What is the legal if drives your friend car in that car is not insured and you get a ticket for driving without insurance?
If there is no insurance on the vehicle and you get a ticket for driving without insurance you are guilty of the offense and will have to pay your fine. Even though the vehicle belongs to someone else it is the responsibility of the driver to make sure there is valid auto insurance on the vehicle before driving it.
My friend was driving my car and got a DWI when she asked what insurance it would affect the officer said it would affect the car owner's insurance and not hers' the driver's Is this true?
No. Driving records follow the driver, not the car. Unless your friend is listed as a driver on your insurance then your insurance company is never going to find out about this/isn't even concerned with this.
