Could I be held responsible for his actions in my car?
2006-09-05 22:41:26 · 10 answers · asked by ? 4 in Cars & Transportation ➔ Insurance & Registration
Yes. Insurance follows the car. If he was driving with your permission he is an insured and the liability coverage applies to him. You are not personally responsible for his actions, but your insurer will have to provide coverage for him, unless the policy carries an endorsement excluding him by name. In that case, there is no coverage for anything.
2006-09-06 15:44:12 · answer #1 · answered by Chris 5 · 0⤊ 0⤋
Your insurance covers a certain amount of property damage done by your car.Also bodily damage for other drivers and passengers outside of you. Read your policy carefully and if you don't understand what it all means then call your insurance company and ask to have it explained fully and in terms you understand. If your BF does not drive your car everyday they should not raise your rates for any accident. Secondly why lend your BF your car if he's not a good and careful driver?
2006-09-06 02:15:24 · answer #2 · answered by sindscorpion 1 · 0⤊ 0⤋
Nope, unless you dont have liability, but he should have his own insurance, and he would be responsible for that, cause if it is on ur insurance, ur rates will go up.
2006-09-07 15:02:08 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Genie,
The accident will affect his driving record, but your insurance.
Sucks, but that's the way it is. Insurance follows the car, not the driver.
It should be the other way around, but it's not.
2006-09-06 05:32:21 · answer #4 · answered by Anonymous · 0⤊ 0⤋
If your car is insured any one can drive it and it will be insured.You might be in trouble only if they have no insurance.
2006-09-05 22:49:15 · answer #5 · answered by pmdan00 3 · 0⤊ 0⤋
Yes you are. That is why it is best to have more than basic coverage. My coverage also insures me against people like you who do not carry enough coverage.
2006-09-05 22:48:33 · answer #6 · answered by N3WJL 5 · 0⤊ 0⤋
You are absolutely responsible unless you have him named on your policy as a second driver of that vehicle.
2006-09-05 22:48:06 · answer #7 · answered by Desi 7 · 0⤊ 0⤋
yes, you are the titled owner, so you are responsible for any damage your car cause
2006-09-06 01:20:43 · answer #8 · answered by foothill4fun 3 · 0⤊ 0⤋
If your bf is not on your policy, his actions are your fault.
2006-09-05 22:47:36 · answer #9 · answered by Anonymous · 0⤊ 0⤋
Yeah, pretty much
2006-09-05 22:46:52 · answer #10 · answered by Trinity 4 · 0⤊ 2⤋