If someone is insured on their own car and is driving their friends insured car are they covered?

Question

Say someone has too much to drink and his responsible buddy takes the keys and decides he will be better suited to drive home. The car is insured by the passenger, the driver is insured on his own vehicle, but not the passanger's vehicle; if they get into a car accident and the driver is at fault, whos insurance (if any) covers the collision? Would it change if someone lent their car to a friend and weren't actually in the vehicle?

Answer 1

The insurance on the car is PRIMARY, the insurance for the driver is SECONDARY, so if the primary carrier declines coverage or runs into a limits issue, the secondary carrier will make up for it.

Answer 2

Insurance goes with vehicles, not people. If someone not named on the insurance is driving with the permission of the owner, they are covered on the insurance.

In your scenario the insurance may argue the person was not driving with permission. Still it gets turned into the insurance that is on the vehicle. And of course it will depend on who is at fault in the accident. In your case "The driver is at fault" so the insurance would only cover damage to other property unless there was collision coverage on the vehicle.

Turn it in and let the insurance sort it.

Answer 3

Yes. And it matters not whether or not the friend has insurance on his own car. You are insuring the car - from hurting others,damaging property, etc...not the driver. I have yet to see a car go in and buy insurance for itself.
If your friend gets in an accident with your car, your car will cover the accident scene and repairs to the other person....and whatever to yours. it is worked out between the insurance comanies. Driving fines will go against the driver and I think in this case your rates won't go up(but I would keep an eye on those insurance people - his rates SHOULD go up(in all fairness). Insurance has a web of logic that is all their own. Somebody ends up paying(not the insurance company, you can be sure about that.)

Answer 4

When I was in high school I had an accident in my boyfriends truck. It was my fault and I was alone in the vehicle. He did not have insurance on it at the time (which I found out later) so my dads insurance paid for the damage. So, yes, most insurance policies should cover this.

Answer 5

the insurance usually goes with the car not the person,,there are some company's that do insure a person if there driving someone else,s vehicle ,but not many,most of the time it goes with the car and the person who bought the insurance,good luck ,i hope this help,s.,PS you might want t check and see if your company covers this.

Answer 6

your covered by their insurance as long as you dont drive the car often and you have their permission. but if you drive often you might want to be on their insurance. it will still count against you but it will also make their insurance rates go up. me and my ex husband had a similar incident when we first got married. except i got in an accident.

Answer 7

if you're driving your friend's car, your own insurance policy would cover the situation. It would also cover you if he wasn't in the car and you had permission to use it.

The only time you'd be in trouble is if your friend RENTS a car and you're not in the contract, then your insurance policy would not cover you.

Answer 8

insurance goes with the car NOT the person driving it

Answer 9

your covered just make sure your company does it mine does USAA