I was driving under my dad's insurance, does that mean his insurance will go up, or mine?
2006-09-17 11:47:36 · 8 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
It depends on the circumstances.
If you can PROVE that it was not your fault, AND if the other driver's insurers pay up, there should be no change to either your own or your Dad's insurance.
However, if your Dad's insurer's pay part of the claim, this could be reflected in future premiums - remember, it is a no-CLAIM bonus, not a no-BLAME bonus.
In any event, you ought to tell your insurance company about the incident (I assume that you already told your Dad's), because this could well be held to be relevant information, and to withhold it from them could result in their refusal to pay if you were to claim in the future.
This may sound somewhat heavy-handed, but it is not wise to mess with insurance companies. It is unlikely that they will increase your premium at renewal, but your honesty will be recognised.
I hope this helps....
2006-09-17 11:58:18 · answer #1 · answered by aarcue 3 · 1⤊ 0⤋
Remember this common rule of insurance...tickets follow the driver...vehicle repairs follow the vehicle and it's insurance.
So if the car is on dad's policy and is damaged and needs repair, his insurance may go up, depending on how the damage was caused and how much damage we're talking about.
However, typically, if you aren't at fault, you should file for repairs on the other driver's insurance (I'm assuming there is another vehicle involved? We really need more info to properly answer this question).
That's the best I can do with the info given.
2006-09-18 03:17:51 · answer #2 · answered by Beth 4 · 0⤊ 0⤋
His will go up; it's not "your" insurance, you're an additional driver on his policy.
However, the accident will be on your record when you go to get your own insurance.
2006-09-17 11:54:46 · answer #3 · answered by Anonymous · 1⤊ 0⤋
In most states and with most companies an accident that where you are "not at fault" will NOT affect your insurance premiums. Most.
2006-09-17 18:45:41 · answer #4 · answered by purplepinkanddots 3 · 0⤊ 0⤋
they are going to penalise you for no longer retaining it on the appliance variety for the recent coverage plans. Honesty might in all probability fee below that. It in simple terms shows how the coverage companies sharing of training is working interior the way they want it to do. Your declare flagged up on a seek of your information and that they got here after it you for it. secure no claims is an advantage in this situation to boot. stay and study as they could have voided your coverage thoroughly.
2016-10-15 02:42:20 · answer #5 · answered by Anonymous · 0⤊ 0⤋
if you were not at fault, your rates should not go up. It will affect his Insurance more (as the claim was placed against it) than it would yours, however as you are not at fault, it will be ok.
2006-09-18 02:26:45 · answer #6 · answered by deadcars42 3 · 0⤊ 0⤋
Everyone will get a surprize your dad for letting you drive his car and you for just being there all might get higher rates.
2006-09-17 11:55:56 · answer #7 · answered by John Paul 7 · 0⤊ 0⤋
If you file a claim, his will, and eventually yours.
2006-09-17 11:54:10 · answer #8 · answered by beez 7 · 0⤊ 0⤋