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Would insurance cover the accident if you were in an accident but were not on the insurance policy but you had your own vehicle and insurance on it?

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2007-07-20 17:58:32
2007-07-20 17:58:32

If the car that was involved, in an acident was insured yea!

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The Company who owns the vehicle would be responsible for deductibles listed on the policy their own policy.

If you are in your parents vehicle and you are on their auto insurance policy, you would be covered.

As long as she has her own policy on her own, it would not affect your insurance in the sense of premium or the need to have her insured on your policy. However, most auto insurance company want to have her listed as a driver in the household since she lives with you. The policy actually follow the vehicle and not the driver. If she was to drive this vehicle and get into an accident, your policy would be the primary and her policy would be secondary.

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.

Since you are the only person with insurance it would be your insurance that pays, if your policy says this situation is covered. It depends on your insurance policy. Some cover you, others don't

If your insurance policy has permissive use then another driver would be covered in your vehicle if they had an accident. I don't know about other states but in California they should not be living with you and they can not be excluded from your policy. One more thing, they MUST have a valid license.

Well in 2 different states that I have lived and worked in the insurance follows the vehicle not the person. If someone is letting you borrow there vehicle then they are accepting responsibility for your actions, therefore the accident would be covered on there policy. Of course I would check with state laws to make sure.

You should be talking to the insurance company that insures the vehicle you were a passenger in. If it was a single vehicle accident they will be responsible but if it wasn't then the at fault drivers insurance would cover it.

No. If you had an accident with your husbands car and you were at fault with only PLPD insurance, the damages to your vehicle would not be covered.

There is no Such Auto Insurance Policy. You would need a Primary Auto Insurance Policy on your own Vehicle and then an attached Umbrella Policy on top of it in order to get close to this.

The term "accident insurance" applies to life and health insurance policy's that will only pay claims that result from an accident. Example: A person who owns an accident-only disability policy falls ill from cancer. The policy will not pay any claims as a result of the cancer. If the same person fell down a flight of stairs, the policy would pay.

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.

typcially , ''insurance stays with the car'' meaning the insurance on the vehicle would be primary..........

Yes you can, it's called a named non-owned policy. It covers you to drive a vehicle you do not own, and it only covers you to drive a vehicle that does not have insurance. If you borrow a friends car and have a name non-woned vehicle and have an accident, the insurance follows the vehicle, so their insurance will pay. That company may subrogate and come after you then it would be up to your insurance company to decide if they'd accept liability.

You can not insure a vehicle for more than its value so more than one insurance policy would be a waste of money.

If she was driving your vehicle, with your premission, it would fall under your insurance and they would have to pay for the other drivers vehicle

You bet. If the other owner of the vehicle doesn't carry insurance on the vehicle -- or lets it lapse -- and has an at-fault accident, the injured party can certainly come after you as a part owner of the vehicle. If the other owner carries insurance, however, you're pretty safe. The insurance carrier handling the vehicle and any accidents will protect the owners' interests to the limits of the policy. If you know the vehicle has insurance, and you're still worried, take a moment to review the policy coverages and limits on the vehicle. Just so you know, the insurance you carry on the vehicle you do drive would not extend to a co-owned vehicle like this, unless you've told your carrier about it.

Yes, Your joint policy will cover the accident. You should contact your agent to determine if any points or rate increase would apply.

That would be a very Bad Idea. Non Owners Insurance does not cover an accident in a vehicle to which the non-owner has regular use and access. It also will not cover an accident in a vehicle that belongs to a member of the same household. Not sure will depend on many factors, contact an agent/agents and request some quotes.

No. An insurance policy cannot be issued to pay for an accident that already happened. Why in the world would you think that an insurance company would take on a claim that happened before you purchased the policy.

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.

Answer from a General AgentNo, your neighbor is not a covered driver under your Auto Policy. The good news is that any accident your neighbor has while driving your vehicle would be covered because "you", the policy holder are covered for any liabilities that may arise out of the ownership or operation of the scheduled vehicle. including liabilities that may arise when you loan the car to another person.If you loaned it to your neighbor and had no insurance, the neighbor would have to seek coverage from his own auto insurance policy. The liability portion of your auto insurance follows "the driver" to another vehicle as secondary coverage.Other answersYes, as long as you have given permission to the neighbor to drive your car he is insured whilst driving a car, because the insurance is on the vehicle and not the person.In case of an accident which involves your car, the vehicle damage portion will be definitely on your insurance policy. Thus your insurance cost will increase. Secondly, if the neighbor does not have an insurance policy than your car insurance policy will also be responsible for the liability damages if any - i.e. if some third party files a suit.

No. If the person dies in an accident it would, but not on purpose.


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