and i am the principal driver for a toyota camry and my husband is the principal driver for the vw jetta.. one day i drive his jetta and involved in an accident, at fault accident. the at-fault accident will be in whose record? mine or his? mine because the accident is mine or his because i drive his car?
2007-02-02 04:24:03 · 13 answers · asked by luckystar 1 in Cars & Transportation ➔ Insurance & Registration
The accident would go on your record, however that is really only a concern if you were to go shopping for other insurance on your own. Insurance follows vehicles, but accidents follow you! You are both covered under the same policy and can drive either car, but one might be rated as a principle operator of one, for rating purposes.
2007-02-02 10:23:36 · answer #1 · answered by Chris 5 · 0⤊ 0⤋
There are some variables here. Many insurance companies will forgive one accident per policy in a three year period and your rates for the Jetta could very well remain the same. However the accident was an "at fault" accident...therefore your policy rates might go up depending on what circumstances were involved in determining who was "at fault' Example: Suppose you were insured through Concord Group Insurance Corp., and the reason you were deemed "at fault" was do to Drinking and driving. Your rates would not go up because of the accident but would definitely go up for the DUI as you now have become a "Higher Risk". The best thing you can do is to call your insurance agent and ask, they would have all of your policy information and your driver profile on the tips of their fingers.
Peace
2007-02-02 12:04:20 · answer #2 · answered by jeff_loves_life 3 · 0⤊ 0⤋
The accident with show up no your motor vehicle report. The claim will show up on the the insurance companies report. If you both have different insurance then he will have the claim on his insurance record and you will have the accident on you motor vehicle record. If you both have the same company then everything will show up on your record. If you are listed as an occasional driver of his vehicle his rates may go up. If you were not listed as an occasional driver... the insurance company will probably add you to his policy unless you can prove that you have your own insurance.
2007-02-02 04:36:23 · answer #3 · answered by NY1Krr 4 · 0⤊ 0⤋
You should be able to have one policy only that lists all 5 autos. You would get a declaration page that will list each auto on that page. By each auto, it will show the make/model and the coverage for that auto. Since 4 of them would have full coverage, it will show both collision and comprehensive on it also. But for the 5th with liability only, it would show only liability coverage only. That is what the insurance agent is most likely talking about. You have 1 policy for 4 drivers, 5 cars and 4 with full coverage and 1 with liability only. It's also cheaper to have multiple cars on one policy vs having 2 separate policies. hope that makes sense. good luck
2016-05-24 05:24:12 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Violations, tickets, etc follow the driver. Insurance follows the car. Your insurance will likely go up because you were the at-fault driver and since you are at fault, your insurance pays for your car and the other person's (assuming 2 cars were involved).
2007-02-02 04:38:17 · answer #5 · answered by Beth 4 · 0⤊ 0⤋
The record will be on your license and insurance costs. Whether it be his car or somebody else....you were the driver. and drivers are the ones who cause the accidents. Your insurance will have to fix his car.(as it is not your car that got damaged.
2007-02-02 04:36:33 · answer #6 · answered by ButwhatdoIno? 6 · 0⤊ 0⤋
Insurance follows the car, not the driver. It would go on your driving record (if you got a ticket) if that's what you're asking.
2007-02-02 06:04:30 · answer #7 · answered by oklatom 7 · 0⤊ 0⤋
The accident is on your record, drivers license wise.
If you guys have one policy covering both vehicles then it doesn't matter, and it still gets put against you. Your overall rates will go up, but it the raise will most likely be only against the VW.
If you have separate policies, well tough break for him, but it gets put against his policy and his rates go up.
Clear as mud?
2007-02-02 04:29:22 · answer #8 · answered by shovelkicker 5 · 0⤊ 0⤋
I think it will be on both, but your rate will go up. They don't insure just YOU as a person, or YOU as a car. It's a collective thing and any claim is going to effect your rates.
If you had different insurance companies, they would probably fight about who paid what.
2007-02-02 04:34:20 · answer #9 · answered by cykotik2000 2 · 0⤊ 0⤋
The owner of the vehicle will get the minus point. This is because, to the insurance company, they only deal with the owner of the vehicle. You can get good and reliable insurance quote and help here: -> http://www.payamgostar.com/get-that-cheap-motors/
2007-02-05 17:52:25 · answer #10 · answered by tonyrss1 1 · 0⤊ 0⤋