My car was broken into last night, my mother's insurance claims to cover her driving any car...?

Question

If she puts a claim in regarding my car stating she was using the car that day (she is not specifically insured for my car, her policy just says "any car") will it be successful? A door needs to be replaced due to the damage done.

My insurance is currently invalid therefore I cannot claim on mine.

So its definitely only 3rd party she will have? Even though her policy is fully comprehensive?

Answer 1

Your mom's insurance will not cover it. Your insurance covers the car (or lack of insurance). The only time her insurance would cover it is her liability (Bodily Injury, Property Damage) and her medical, IF she is driving the vehicle during an accident. Her insurance will not roll on collision and comprehensive coverage.

If you're insurance was invalid, then you have to pay for the damages yourself.

Answer 2

No, this is not possible. Insurance follows vehicles, not people. If the vehicle was parked and unoccupied at the time, the only coverage that would pay for damage is comprehensive on the owner's insurance. If the owner has no insurance, that's where it ends. Just because your mom was operating it earlier in the day does not bring her insurance into the mix. I'm sure her policy actually states that they insure the vehicle for which a premium is paid and which is listed on her policy papers. The policy would then go on to state that other vehicles might be covered that she doesn't own, but that would only apply if she were actually driving it at the time that the loss occurred.

addition: Homeowners would exclude damage to the vehicle. If personal items were stolen you can see if they would be covered under homeowners, but it is not likely. Everyone needs to stop saying the mom's policy will cover it. It won't! This is a comprehensive loss and the vehicle does not qualify as an insured vehicle under the mom's policy.

Answer 3

The ability to drive other people's vehicles is almost always restricted to third party risks only. This is what used to be called 'road risks' and is limited to the minimum amount of cover to allow a vehicle to be driven on the road under the Road Traffic Act i.e. if she hits someone, it will allow them (the third party) to claim against her insurance policy. If her policy says 'third party risks only' then this will be the case and so a claim for damage cannot be made.
As a matter of interest, for a third party claim to be made by someone else, the original vehicle has to be insured also, so you can't drive an un-insured vehicle just because your policy says 'other cars'.

Answer 4

Firstly, no it wont be succesful as it is fraud. Your mothers insurance covers her for 3rd party liability while driving other peoples cars, ie if she has an accident involving a thrid parties car. This also depends on the car she is driving having insurance already on it by the owner/keeper. So if she claims to have driven it she will also be charged for driving without insurance if your car isn't insured.

The responsibility is yours to ensure your car is fully insured if you want to make claims for any damage it incurs which you obviously have not.

Answer 5

Hey guy's I think we forgot to mention or ask about homeowners or renters Insurance?

In Texas if you have homeowners or renters Insurance most of those policies contain some coverage for off property contents and or damages (Limited coverage but coverage none the less). These coverages are not just limited to having someone break into a car that your borrowing and stealing your personal belongings from it but often cover up to a set amount of compensation that may be stolen from you personally, such as purses, watches jewelry etc.

So In answer to your question, her Insurance may just cover some of the loss, if indeed she was using your auto at the time. But this would be more likely covered under her HO policy and not her auto and there may be very, very limited coverage of physical damage to the car she was using at the time. Have her check with her insurance agent before she tries and file a claim.

Please don't take this comment as rude but you really need to carry insurance on your auto, at minimum Liability for the protection of others (it's pretty much the law in most states). If you can't afford to have repairs done to your auto resulting from break ins, collisions, excetra you should really take a hard look at adding some coverages that will protect you. Some might seem expensive now, but when your faced with the situation your in right now you will be thankful that you have coverage.

One more thing. If your mom was not using your car at the time of the incident but rather is trying to help you frey some of the cost of repairs, that's very kind of her but that will have a negative impact on her with regards to her Insurance. It would be better, not to mention the legal and right way to just to have you guys get together and see what you can do out of pocket expense.

Good luck and Insure that car!

Answer 6

I suggest making your current policy valid
No your mum cannot make a claim, it's only for driving if she is involved in an accident - this is a break in so therefore not covered.

Answer 7

Your mothers certificate is evidence just for the Road Traffic Act and the damage to your car will not be covered by her policy.

Answer 8

When your policy covers any car it isn't comprehensive cover, it is third party.

Meaning it would only cover the damage to another car if she drove into it.

Unfortunately it doesn't cover theft. If its a lot of damage it may well be worth claiming on your policy.

Answer 9

It means your mother is insured to drive any vehicle under the minimum legal requirements eg. third party only if you are insured third party fire and theft you can claim on your insurance but if you are insured third party only you have lost out. Hope this helps

Answer 10

If it was broken into then your insurer would classify it as a theft claim rather than accident. Your mother's policy would only cover it if she was involved in an accident whilst driving it.

Sorry to be one of a number of bearers of bad tidings