who is not on my policy, will my insurance still cover damages to another vehicle if the person in my car was at fault? Why or why not?
2006-09-15 05:14:02 · 10 answers · asked by Anonymous in Business & Finance ➔ Insurance
The question is were they driving with your permission and are they a licensed driver. If the answer to both is yes, then your insurance will cover the damage. If no to either, they will not.
2006-09-15 05:29:42 · answer #1 · answered by deep5223 4 · 0⤊ 0⤋
The laws vary by state but in most states the insurance with regards to damages to the vehicles follows the car. That means that your insurance would pay for your car and the other car if driver of your car is at fault.This of course varies by policy and state.
Medical coverage on your auto policy differs by state so it is not possible to speculate how that would be covered, plus you did not ask that.
2006-09-15 13:19:54 · answer #2 · answered by mamatohaley+1 4 · 0⤊ 0⤋
Different insurance companies have different views on it. All it takes is a phone call to your insurance company. Use the number on the back of your insurance card and ask them.
Generally speaking, the insurance is for your car, not the driver. But it would be a good heads up to your insurance company to let them know if you have added a driver.
2006-09-16 07:01:18 · answer #3 · answered by north79004487 5 · 0⤊ 0⤋
Depends, on how your policy reads, and which state you are in. If they are a household member, or have regular access to your vehicle, and you don't list them, or if you exclude them from coverage, your policy won't pay.
Some companies, like Progressive, specifically won't cover someone who's not listed, OR won't pay if the vehicle is used for any business purpose, including pizza delivery.
So, your question is a bit too vague, we'd need more information to give an exact answer. Your agent should be able to give you an exact answer, though!
2006-09-16 00:33:56 · answer #4 · answered by Anonymous 7 · 0⤊ 0⤋
Most likely yes, unless this person is a. an unlicensed driver/under age and driving with permission or b. a resident of the same houseshold as you...most companies exclude residents of the household or unlicensed drivers (even with permission...IF you knew they had no license) for the basis they are insuring the risk without being properly rated or taking a risk they wouldnt normally accept.
2006-09-16 16:10:07 · answer #5 · answered by insuragent 2 · 0⤊ 0⤋
In general, yes. When you loan your car, you loan your car insurance. If the driver was not licensed, that violates the terms of your policy and void the coverage.
2006-09-15 13:19:44 · answer #6 · answered by STEVEN F 7 · 0⤊ 0⤋
You are still liable for any damage that is caused while the other person was driving. Check with your insurance policy.
2006-09-15 12:17:18 · answer #7 · answered by Blue Jean 6 · 0⤊ 0⤋
Yes, I don't believe that person has your medical coverage for the car either, so if they get into a really bad accident they better have health insurance.
2006-09-15 12:22:26 · answer #8 · answered by mojo2093@sbcglobal.net 5 · 0⤊ 0⤋
If the driver was properly liscenced and insured himself then they can actually use his insurance cant they?
2006-09-15 13:58:02 · answer #9 · answered by Anonymous · 0⤊ 0⤋
yes, if you gave that person permission to drive your car
2006-09-16 02:21:20 · answer #10 · answered by Loollea 6 · 0⤊ 0⤋