i take my sister in laws car and have an accident does her insurance pay or mine
2006-09-10 12:27:11 · 22 answers · asked by jcote05@snet.net 1 in Cars & Transportation ➔ Insurance & Registration
No way to tell without knowing what state you are in.
2006-09-13 14:24:47 · answer #1 · answered by roland_reardon 2 · 0⤊ 0⤋
Insurance follows the car. Her coverage pays. You are what is referred to as a permissive user under the policy, and the rules are very loose for this. Leaving the keys where someone can get them is interpreted as giving permission to use the car in most states.
The only way you aren't covered under her insurance is if she has an ultra-cheap non-standard policy that specifies that only she can drive the car. The big insurance carriers will all cover you.
2006-09-10 15:42:41 · answer #2 · answered by Catspaw 6 · 0⤊ 0⤋
Insurance follows the vehicle.
If you had her permission to drive the vehicle, hers.
If you took the vehicle without permission, neither company will pay - but be prepared for legal trouble.
If you're an upstanding human being, you pay your sister-in-law's deductible. If you were at fault, you should even consider paying the whole thing so she doesn't have to turn the claim in against her policy.
If you're just a selfish, self-centered rat, you don't pay anyone anything - but then you can be prepared not to have too much fun at family dinners.
2006-09-10 15:13:40 · answer #3 · answered by ohso_quiet 4 · 0⤊ 0⤋
You do. Her insurance may not pay it since she did not specify you as a driver of the car. And they will ticket you being the driver if you are at fault so you will be responsible.
However, if the person wants to get really stinky about it they could sue both of you. Your cousin for allowing you to drive the car not being on the insurance and you for emotional damage caused by the accident. It really depends on the type of person you hit.
2006-09-10 12:33:04 · answer #4 · answered by rltouhe 6 · 0⤊ 0⤋
Depends on your state laws in your state. Here the driver is insured and not the car. I am insured no matter who's car I drive. My personal opinion is that if your driving the car it should be your insurance that pays.
2006-09-14 04:43:50 · answer #5 · answered by AL 6 · 0⤊ 0⤋
Depends on what type of policy she has. If her insurance allows other people that are not listed on the policy to drive the vehicle, then hers will cover it. Usually denial would result if you lived in her household or drove the car on a regular basis. Your insurance would be secondary if your sister-in-laws ins denied the claim. Report the claim to hers first and see what happens.
2006-09-11 08:32:56 · answer #6 · answered by Johnny 3 · 0⤊ 0⤋
I guess the bigger question would be...why would you want your sister in law to pay for damage that you did? That wouldn't be fair to her. It should go onto your insurance and you should be responsible for all cost incurred with this..including a rental car for her so she's not inconvenienced by not having a vehicle.
2006-09-10 12:34:30 · answer #7 · answered by auntcookie84 6 · 0⤊ 0⤋
If the accident was your fault then you pay the deductible and her insurance pays the rest. If another vehicle was involved then possibly their insurance would pay all expenses. You did not provide enough detail to establish responsibility.
2006-09-10 12:33:02 · answer #8 · answered by daydoom 5 · 0⤊ 0⤋
Insurance is carried on the car, for ANY authorized driver.
Her insurance pays.
2006-09-10 12:33:31 · answer #9 · answered by Joe Rockhead 5 · 0⤊ 0⤋
HERS. The insurance company is insuring the car NOT the driver.
2006-09-10 12:30:55 · answer #10 · answered by biker77bill 2 · 1⤊ 0⤋
Hers. Insurance follows vehicles, not people. If I had a dollar, instead of points, for every time I answered this question....
2006-09-11 12:02:09 · answer #11 · answered by Chris 5 · 0⤊ 0⤋