I live in CA & friend let me borrow car for the day, I was cut off by another car, swerved to avoid hitting him, hopped a curb and damaged the air dam and bumper and tore out support for the radiator. Friend only has liability insurance -- but I have full coverage. Is this kind of damage covered by my policy?
2006-12-10 02:52:38 · 10 answers · asked by S V 1 in Cars & Transportation ➔ Insurance & Registration
If you have COLLISION coverage on your personal vehicle and the vehicle you are driving does not your policy most likely will extend to cover the loss. Your rates will go up accordingly...
2006-12-10 05:21:31 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Your insurance will probably-maybe cover the damages. It depends on what your contract states.
Not sure if anyone is going to try to say to file an uninsured motorist claim if this was caused by a vehicle that did not stay at the scene, but disregard that if it's advised. CA does not offer that coverage for an accident of that nature. So collision coverage is the only way to go for getting the vehicle fixed under the policy.
Sorry that happened, and I wish the best of luck to you and your friend!
2006-12-10 13:54:23 · answer #2 · answered by Chris 5 · 0⤊ 0⤋
Call your insurance company and set up the claim. The damage to you friend's car --might-- be covered under __YOUR___ liability coverage.
Whether or not you have "full coverage" is meaningless in this claim.
There may be specific exclusions on your policy that preclude payment for non-owned vehicles, but it wouldn't hurt to get a claim set up and have your claim reviewed by a licensed claims adjuster in California, instead of us knuckleheads on Yahoo Answers ( smile ).
2006-12-10 11:03:25 · answer #3 · answered by shotgun_mosquito 2 · 0⤊ 1⤋
Check with your insurance company or just read the policy. Many policies WILL cover you in that circumstance. Normally this would be paid through your collision coverage.
2006-12-10 11:02:30 · answer #4 · answered by Bostonian In MO 7 · 0⤊ 0⤋
Check your policy, some wont. More than likely you will be paying out of pocket, because you arent covered on that specific vehicle.
2006-12-10 10:55:13 · answer #5 · answered by Julea 2 · 0⤊ 1⤋
if u have full coverage yes. but your rates will go up. calculate the cost and best judge how you can bear it. good luck
2006-12-10 11:00:02 · answer #6 · answered by spotlite 5 · 0⤊ 0⤋
Read the small print on your policy documents.
2006-12-10 10:54:35 · answer #7 · answered by epbr123 5 · 0⤊ 0⤋
its should be if you have full coverage . if i was you i would have found out right after the wreak
2006-12-10 10:56:15 · answer #8 · answered by wofford1257 3 · 0⤊ 0⤋
It should, check with your insurance company
2006-12-10 11:00:12 · answer #9 · answered by tnbadbunny 5 · 0⤊ 0⤋
yes
2006-12-10 10:55:00 · answer #10 · answered by connie sue 5 · 0⤊ 0⤋