What happens if I am in an accident in someone else's car (who has insurance) when I do not have car insurance

Question

I do not have insurance, she does and is allowing me to use her car. Would it go on her insurance? Or would we have to pay the entire cost out of pocket? Whether it is my fault or not? And pay her deductible?

Answer 1

Insurance typically follows the vehicle, but depending on the details and how often you driver her car - the insurance company may deny the claim.

Answer 2

It depends on her coverage and your particular driving state, if she has uninsured motorist coverage you may be covered, also some policies allow for a 'casual secondary driver' insurance meaning that if someone who isn't the primary driver is involved in an accident that they are covered.
If it's the other car's fault their insurance pays and so it doesn't matter. And out of courtesy, if you are in an accident where you are at fault and it isn't your cart, yes you would want to pay the deductible (that's not law, just common courtesy).

Answer 3

Then your covered in her car, you might pay her deductable if it is your fault, that would be the nice thing to do, but legally she is responsible to have insurance on her can and now it pretty much covers the drivers as well...

Answer 4

She needs to phone her insurance company and have you added as a named driver. It may cost a little extra. Otherwise it depends on her policy. I suspect you would only get minimum legal cover - 3rd Party, Fire and Theft, even if hers is Fully Comprehensive. In the case of a claim you would have to prove that you were driving with the Policyholder's consent and that you held a valid driving license.

That is the state of things in the UK provided one of the clauses in the policy states "Any driver driving on the instruction of the Policyholder." The terminology may be different elsewhere but the principle should be the same.

Answer 5

yes, it goes on her insurance (even if you had insurance) you don't have insurance on you, you have insurance on the car. It is possible that the insurance company could penalize her though for allowing someone who is not listed a driver on her policy to drive the car.

Answer 6

It depends on if her policy allows her to loan the car. Most policies require any other driver to be on her policy and if not, there would be no coverage. If the other driver is at fault, and has insurance, you would not have anything to worry about.

Answer 7

if you are in her car and she has insurance on that car , you are totally covered! it will go on her insurance, of course it will eventually raise her insurance cost due to the accident, but they still have to cover it...

Answer 8

As long as you have her permission (the owner of the car) then you will be covered under her insurance.

Answer 9

It would go on her insurance.As long as you are not living with her and under 25

Answer 10

If she is fully comp. you are covered under her insurance.

If she is covered third party, fire & theft, you're not.