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Which insurance would be liable if our 16 year old son was involved in an accident driving someone elses auto with their permission ours or the owners?

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2008-02-27 07:19:07
2008-02-27 07:19:07

The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.

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

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1) Your insurance company receives your driving record from your DMV. If you are in an accident and it is reported to the police, they will add that accident to your driving record. 2) When you are in an auto accident, the insurance companies of everyone involved are notified when people submit claims.

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If your child has a license the insurance on the car will probably cover it. The company can take the position that they were not supposed to be driving it and are not covered in which case it would come back to you because the child is underage.

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It shouldn't ... normally insurance companies do not report the accident to the police authorities unless a death is involved. However, since you reported the accident to your insurance and if you are at fault, it may cause your rates to increase.

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It depends on your coverage & the state, but normally if you have full coverage your insurer will cover any accident you are in.

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No. As long as you were not involved in the accident then it shouldn't affect your driving record. You must also not be the owner of the vehicle that was involved in the claim.

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If they were driving it with your knowledge or permission, yes. Actually, no it won't. Each person is liable for their own actions, regardless of the car they are in. The driver's insurance will go up and would also be liable for any criminal acts. I would assume that if someone else is involved in an accident, while driving your car, your rates will go up? Your insurance will NOT be affected if someone used your car and got a citation BUT,,, If they had an accident and had NO insurance YOU would be involved. If your registration and or insurance is not up to date, you and the driver will pay some fines and get violation points for the above.

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If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.

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No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.

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While your insurance company only cares who pays the insurance policy, the DMV doesn't care who owns the car. The driver who causes the accident will have it show up on his/her driving record (if there was a ticket issued).

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No Drink Driving is breaking the rules and your own choice

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secondary to the policy insuring the vehicle you drove with permission....barring any exclusions on your parents policy ....

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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.

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It is my understanding that the car owner's insurance pays for the person who was hit. The driver's insurance is responsible for the car he/she was driving.

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ANY driver with permission to drive that car by the owner is covered under that car's insurance policy. Insurance goes with the car...not the driver.

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Yes, he is liable if the person driving has a fatal accident. His insurance allows him to cover people that drive his car with his permission. If that person wrecks his car and dies, the insurance would pay the funeral expenses and give the actual cash value for the car minus the deductible.

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The actual driver. Unfortunately, if the driver is your kid, and you're adding your kid to your insurance policy, it could affect your rates.

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In Australia, the term "green slip" is used to describe a type of insurance policy. It provides you with accident coverage in case you or someone driving your car are involved in an accident.

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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.

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7/10 teens could get involved in "drink-driving" accident"

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Sometimes. Sometimes insurance covers whoever is driving a particular car, and sometimes insurance covers a driver no matter whose car they are driving (as long as they have the car owner's permission). You should probably check with your insurance company to be sure, or have your parents call and ask them.

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If you have insurance yourself you are insured to drive someones car. If you have an accident your insurance will cover it.


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