Help me understand how car insurance works...
Here's my problem: The vehicle is insured, not the driver, right? So if I let Slob, my unemployed, carless neighbor wreck my car (which is insured), no problem, it's covered by my insurance, isn't it? AND if Slob manages to get a car, doesn't insure it, and I wreck HIS car, it's not going to matter that I'm insured as the primary driver of my car, right? I mean, nobody's going to ask ME for MY insurance information in that case are they? My car's coverage has nothing to to do with Slob's car's coverage...
More to the point, if my wife and I share one car and I am on the policy as the primary driver, is there any logical reason why she would have to ever be mentioned on ANY policy? She is insured by any insured vehicle she drives, right? And having or not having her on a policy is completely irrelevant, isn't it?
2007-01-26
12:35:53
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7 answers
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asked by
roentgenologist08
2