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Whose insurance company do we report to if the vehicle that was stolen was borrowed from a friend?
Wiki User
∙ 9y ago
You should report the theft immediately to the police and to the car owner's insurance company.
Wiki User
∙ 9y ago
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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.
Will someone else's insurance policy cover your vehicle?
Yes, under certain circumstances it will. Have your friend call their insurance company claims department and ask for assistance.
What can you do if you are hit by another driver and got their license number and the police charged them but their insurance will not pay because the owner says a friend was driving the vehicle?
It shouldn't matter who was driving. The insurance company is responsible for the VEHICLE not the driver.
Can you insure a friend's vehicle if he does not have a license and does not drive the car himself?
yes you can get insurance on his car CORRECT ANSWER: No you cannot. It is not legal to insure any vehicle that you do not own. Your friend can get insurance in his name, exclude himself as a driver, and list the person or people who act as drivers for him. AGAIN, YOU CANNOT INSURE A VEHICLE THAT IS NOT TITLED TO YOU. If you do, and a claim occurs, the insurance company will have no choice but to deny the claim. No one will be paid for this claim; the company will cancel the auto policy; and if another vehicle is involved, the other party or their insurance company will sue your friend, the driver, and you and they will win. Be very careful. Insurance companies are really cracking down on this and checking titles when a claim is filed. As a matter of full disclosure, I own and operate a small Independent Insurance Agency and have for the part 22 years. Before that I worked as an agent for a direct writer insurance company.
How is insurance obtained on a boat being borrowed for 3 weeks from a friend?
Because insurance laws and costs vary state to state, you should call your agent. Added... You should check with the current insurance company. You are probably going to be unable to purchase insurance on something that does not belong to you in the traditional sense. You might have to insure through a speciality company. See a insurance professional...
You had no insurance on your car What if your friend borrowed car with permission had an accident and was issued a citation Can you recover from friend's insurance?
Not likely. For property damage, insurance is primary to the vehicle. Unless you live in WI or NH, you are required to carry liability insurance, regardless if you drive your car or not. Liability pays for the damage your car causes to other people for their injuries and damage to their car. Knowingly lending your uninsured car to some one is legally the same thing as you driving without insurance. Your friend's insurance probably contains a non-owned vehicle clause, but this is designed for loaner cars from dealerships, test drives, and rental cars.
If a friend drove your vehicle when there was no insurance and was involved in an accident who is liable for the cost to replace the car?
There is more than one answer to this question. Because you did not state who was at fault in the accident. If the other driver was at fault, it is that person or their insurance company that is responsible for the repairs on your car. If it is the friends fault, then it is the friend that is responsible. Even if the friend did or did not know you had did not have insurance.
Your friend sold you his car take over paymentsHe took the car off his insurance you insured the car and then totaled it but you are not on the title Will your insurance company pay for it?
As long as you have the title that he signed off of it and you signed on and you have insurance on the vehicle it will be covered.
You were rear-ended by a uninsured driver in an insured vehicle whose policy owner does not live in the same address Can you use uninsured motorist property damage coverage from your insurance company?
Well, first of all, you dont need to use your own coverage if the other vehicle has coverage. Auto insurance covers the vehicle even if the driver is not listed on the policy, unless the driver has been excluded from the policy. For example, my friend was visiting from out of state. She borrowed my car to go to the store and had an accident. My insurance still covered the damages even though she was not listed as a driver on my policy.
I am using my friend's car for few days and I do not want to use his insurance so can I buy insurance for his car while I am driving that car?
If the cars currently insured, you can't insure it again. Just get named on your friends policy temporarily.It is a common misconception that automobile insurance purchased in the United States for a United States driver covers the vehicle. In fact, automobile insurance only covers thedriver. As long as you are properly licensed to drive a motor vehicle (i.e., for whatever class(es) of license you were tested for and the given State has granted you), and your personal automobile insurance is valid, and the motor vehicle you are about to drive is properly registered with the given State, and, most importantly, you have your friend's permission to drive the motor vehicle (usually indicated by the State-issued, motor vehicle registration card, which your friend needs to give you while you are driving his/her motor vehicle), then you are covered by your own insurance company, regardless of what motor vehicle you are driving. If you get into an accident while driving your friend's motor vehicle, then your insurance company would pay any relevant damages (whether or not you are at fault) to your friend. If you do not have your own automobile insurance, and need to "buy" it, as the question states, then it implies that you are not legally licensed to drive, as all U.S. States require insurance in order to be licensed to drive.
Would you recommend Hanover Insurance to a friend?
Yes I would I think that hanover insurance is a well trusted company and if I were to recomend it to a friend the friend I recomend it to would enjoy the professionalism of the company.
In North Carolina if you have liability coverage only and you damage a friend's car while driving it with their permission are you considered an uninsured driver by your friend's insurance company?
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.
