Borrowed Vehicles for the UK
In the UK - the general rule is that the driver's own vehicle insurance will pay for any accidents other than when the driver is driving a car with permission and is named on the car owner's policy. If the driver has no insurance the driver has a personal liability to pay for injuries and damage to third parties. Either the car owner's insurance can be used to meet a compensation claim or the Motor Insurers Bureau will step in to pay compensation if no car insurance is available from either the driver or the owner. See the related link entitled "accident car insurance" - for an explanation of all forms of car insurance in the UK and the function of the MIB.
Insurance Coverage in Someone Else's vehicle - USA
In The USA this will vary state by state according to local regulation as well as the type of Auto Insurance Policy in place at the time. It's always best to get coverage advice from your Insurance Agent.
As a general rule across the 50 states, if the owner of the "personal use" vehicle being driven has adequate coverage then that policy is treated as primary and any coverage the driver has is secondary or excess in the event damages exceed the limits of the vehicle owner's insurance policy or in the event of no coverage for the operator under the owners policy.
If coverage is afforded under the vehicle owners policy then it will act as primary coverage. If not, then the drivers own auto liability insurance (if any) will step up from secondary and invoke as first party coverage. Depending on the policy language and coverage selected options, liability, uninsured motorist, pip and medical portions will all invoke and provide you coverage.
Additional Considerations or possible coverage Gaps (Please add more here if you can think of some)
It's always best to talk with your agent and make sure you undertsand your coverage before loaning or borrowing a vehicle.
Happy Motoring Insurance Coverage in anothers vehicle
I am an auto insurance adjuster and the quickest answer to your question is - "it depends on the Owner of the vehicle's policy language". Most auto insurance policies WILL in fact cover ANY driver of the insured vehicle, UNLESS that driver has been previously excluded from the policy or UNLESS the driver has STOLEN the vehicle. This would have to be proved with a copy of a theft report filed by the owner. Now, most of the time this is the case - but NOT in all states, and NOT on all policies. I urge you to call your agent BEFORE you drive a friend's car or BEFORE you let a friend drive yours.
Here are more answers and opinions from other FAQ Farmers:
A car is insured under comprehensive and collision insurance. The Named Insured Drivers are covered for Liability purposes. For the car to be insured in the case of an accident there are stipulations placed on who can drive the car relating to driver age, experience, driving record etc. this may vary from policy to policy. It all depends, Specifically As with most questions like this, it depends. Specifically:
1. Auto insurance follows the named Insured Liabilities. So, if you're driving your friend's car and rear-end somebody, your friend's liability insurance may take care of the other vehicle's damages.
2. But what if your friend doesn't carry insurance? Most likely your insurance will step in, but ifrequires vehicle owners to carry liability insurance, your carrier will most likely go after your friend for the money they paid to protect you because, by law, your friend should have paid for his own coverage.
3. Does the car belong to a relative? More specifically, a relative in your household? This would likely result in your carrier denying coverage for you because you didn't tell them a relative owns a car that you're driving. How often you drive the car could also affect your carrier's decision.
4. But what if you have full coverage, and you wreck your friend's car that doesn't have full coverage, and you don't normally drive the car? Most likely, your carrier will step in and pay for the damages to your friend's car. Your carrier is "excess," but if no other first-party coverage exists, they'll usually take care of it. See #3, though, because this wouldn't apply to a relatives vehicle. insurance on the vehicle The kind of Insurance you are speaking of is a Named non-owners policy. If you are driving someones car that you borrow it needs to have insurance too. It is illegal to drive a car without insurance (for that car) The driver and owner could get a ticket for the vehicle not being insured. Insurance Coverage In my experience as an auto insurance adjuster, the car carries the insurance. It would tie up the courts if settlements were partially on the vehicle and partially on insurance carried by the driver. If your car is involved in an accident while being driven a person who does not have your permission (as the Named Policy Holder) it is possible that your insurance company, after an in-depth investigation, including sworn statements by you, may try to subrogate against the unauthorized driver's insurance.
There is an excess clause in nearly every auto policy. One particular Auto Insurance carrier is famous for trying to deny coverage based on this excess clause. But, as far as I know EVERY company's policy language includes this excess clause.
In MOST cases, where only PD or MD (property damage or material damage) are involved, companies will agree to pro rata shares of coverage.
The above-mentioned carrier tends to dig their heels in the sand, however, and prolongs the handling of such claims, which nearly ALWAYS translates to a costlier claim process. most generally yes, your exact coverage will transfer over (if that vehicle is uninsured and there are MANY ''if's'' in this ) to this uninsured vehicle, if it meets the criteria of 'non-owned auto' 'temporary replacement vehicle' etc......but NOT on a continueing bases...you can't just insure one vehicle and drive a non insured one indefinately...understand? In the state of AZ, the insurance follows the car. Your own coverage may extend to a vehicle that you are using with permission but only as secondary coverage. 1 Until this answer is improved by an expert, this layman's answer will have to suffice.
IF the driver is not named on the vehicle's insurance, the terms of the insurance policy will dictate the handling of a liability claim for the accident in which the vehicle was involved.
Normally, if the driver is:
1. Legally licensed to drive, and
2. Has the permission of the owner of the vehicle to have been driving it at the time of the collision, then most policies will cover the "Permissive User."
If the vehicle you borrowed does not carry insurance and you do, your insurance becomes secondary to cover the claim. The owner's insurance is primary. 1 Generally, throughout the insurance industry, if there is insurance on the vehicle involved in the collision, then that insurance is considered "primary,' and is the policy which will provide first coverage if coverage is extended to that driver.
Then, IF the primary coverage is not adequate [not enough money], the driver's insurance [considered secondary] will kick in for the balance owed on the liability claim, until its limit is reached.
typically the insurance on the car is primary.....if that policy has collision coverage (am assuming there is liability coverage as that is required).....the vehicle policy will repair that vehicle....if that vehicle does NOT have collision coverage and driver has a policy with collision coverage then drivers policy will step in (2nd)......if neither policy has collision coverage and the driver of your vehicle is ..........no company is repairing that vehicle..... and yes as mentioned which ever policy pays for the 'at fault' accident those rates are increasing......could be that both pay....yours for the other parties damage under liablity portion (if your vehicle is at fault) and drivers collision coverage (if your vehicle has no coll.cov)
That is determined by the coverage clauses in both parties policy. The person whose insurance company pays will be the one whose rates increase. You usually are covered by the insurance for the car...if your friend drove your car and you had insurance on your car, they would be covered on your insurance, not their own Generally not. While you're an insured driver, it's your the policy covers only your liability. with permission from the owner, as long as there is no exclusion, and you are not a 'regular' driver, if you are using the vehicle with any regularity, you would need to be listed as an insured driver.
No. The person who owns the car and has it insured will be responsible through their insurance. However, they can take you to small claims court for the amount they had to pay and will win the case.
the persons who car you were driving
The insurance policy on the vehicle you were driving will pay any damages assuming the owner of the vehicle and the owner of the insurance policy is one and the same.
the car owners insurance The person driving the car would need to submit a claim to their insurance company. There are a few insurance companies that will cover not only the registered owner but anyone driving the car, however this is not usually the case.
Primarily it is the other persons car but your policy may have coverages available.
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.
The insurance will not stand if some one else was driving the car, in Florida.
Their insurance would be primary and your insurance would be secondary, generally speaking.
Auto insurance follows the vehicle so the policy that is covering the vehicle you are driving will provide the coverage.
No insurance company will cover you for driving whilst suspended. Any illegal activity will deem your policy null and void.
The insurers of the driver who was deemed to be at fault for the accident.
The driver's insurance will take the lead, if something extra is needed, the person who owns the car's insurance will be secondary. Both will be involved to some extent.
Insurance follows the car. Your roommates insurance will cover the damage providing that he has "collision" coverage.
The person driving the vehicle. You borrowed the vehicle so any damage is your responsibly to fix. In almost all cases your insurance covers you if you must borrow another car. Check with your insurance company to be sure.
If the other driver is 100% at fault his will. If you are at fault both yours and the owner's car insurance are potentially on the hook, yours for driving negligently, the owner's for negligence in entrusting their vehicle to a negligent driver, among other things.
the girlfriends because its her car that started the crash but the son should offer to pay for the damages
If the permitted driver was issued a violation then they are clearly at fault. The insurer of the vehicle he is driving has the primary liability, no fault states have special rules for the recovery of damages. If there is no insurance then the title holder of the vehicle the premitted driver was driving is liable, they may be able to recover from the minors parents.
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.
Under most policies, the car owner's insurance will cover you and the damage done to the vechicle. If the fault was yours, their insurance company may request that your insurance pays for some of the damage, or that you pay for the person's deductible.
Insurance follows the car, and points follow the driver. which means that the friend will receive the ticket and the points against his insurance. However, your insurance will pay for your car and you should not receive the points for the ticket. Check with your state for insurance guidelines.
In most states, insurance follows the car. The policy in effect for the car is usually primary regardless of who was driving. If there are limits issues or coverage issues, then the policy held by the driver may apply as secondary coverage.
Persons with dependent (minor) children whose income is too high for Medicaid may qualify for the State Children's Health Insurance Program.
If you do not own a car or live in a household with a car owner who is related to you, you don't actually need your own insurance as long as the person whose car you are driving has insurance. However, that is only true for the occasional trip in a friend's car. If you regularly use the vehicle you would need to get insured.
Weather doesn't matter. Your HomeOwners Insurance would be responsible for those damages.
Your insurance will have to pay regardless if the other person has insurance or not. You were at fault.
Insurance stays with the vehicle, the policy that insures the 'at fault' vehicle will have the rate increase should there be one.
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