If my neighbor ask me to borrow my car for pick up her children, does PAP cover my neighbor?
2006-11-28 06:24:00 · 5 answers · asked by Anonymous in Business & Finance ➔ Insurance
Your PAP will usually cover for your liability to others as primary and your neighbors policy would be excess.Your neighbor if he has an auto policy will be covered for medical under his own policy first then yours would be excess for medical.Again these are some general rules which may or may not apply to your state.
2006-11-28 13:09:57 · answer #1 · answered by Tunka 2 · 0⤊ 0⤋
Coverage varies from state to state. Normally for medical a person goes back to their medical coverage on their auto policy if available, if not it would go on your vehicle. For the property damage coverage normally follows the car.
Laws vary greatly from state to state so it is impossible to give a blanket answer.
2006-11-28 15:48:15 · answer #2 · answered by mamatohaley+1 4 · 0⤊ 0⤋
Sometimes. The answer is going to depend on several things, such as what state you are in, and which coverages you are going to invoke. For medical coverage, for instance, if there's a policy in her house, they have to decline or pay out policy limits before yours will cover her, but for property damage, if she hits someone, usually your policy pays out first.
Again, it varies from state to state, and form to form.
2006-11-28 15:08:08 · answer #3 · answered by Anonymous 7 · 0⤊ 0⤋
It is going to depend on the state. Where I am located, insurance follows the vehicle so your insurance policy would pay first. If the limits of your policy are exhausted then she would be able to go to her policy. This may be different in the state you are located.
2006-11-28 16:36:00 · answer #4 · answered by blb 5 · 0⤊ 0⤋
no. you will be personally liable because it is your car. Her insurance coverage should be primary (as she is the driver). Personal insurance follows the driver. Commercial follows the vehicle.
2006-11-28 14:32:22 · answer #5 · answered by landime9 2 · 0⤊ 2⤋