I am thinking of loaning a car I dont drive to my brother. It has PLPD insurance on it and he has a license so everything is legit. My question is, if he gets in a wreck, kills someone, or any other bad thing happens while he is driving. Is he responsible or am I?
2007-02-09 07:46:59 · 13 answers · asked by twisted_gary_b 1 in Cars & Transportation ➔ Insurance & Registration
The driver of the vehicle would be responsable and the driver's insurance would be the one acting.
You'd be in the clear, let's just hope he doesn't actually kill someone! LOL
2007-02-09 07:50:43 · answer #1 · answered by rob1963man 5 · 0⤊ 2⤋
Unfortunantly (as we found out the hard way) You are responsible. Now if the Vehicle were still in your name but under HIS insurance he would be responsible, but because you are the "primary" on the insurance it is your responsibility which would mean an increase in your rates and what not, Even if he is listed as a driver (I noticed someone said if he is listed as a driver you are not responsible. All this does is confirm that he is covered under YOUR insurance. So YOU are still responsible for the bills incurred)
2007-02-09 08:02:13 · answer #2 · answered by ? 2 · 0⤊ 0⤋
If he had permission to drive the veh you would be responsible... Insurance follows the car not the person.. Now lets say the damages to the other person were more than what your coverage limits are, then they may go after your brother to cover the rest of the damage...
2007-02-09 13:27:09 · answer #3 · answered by D.L. 4 · 0⤊ 0⤋
U should check with the insurance company to find out if the brother is covered whilst driving your car. Also, does he own a car of his own with insurance? it would help if he did, but I'm guessing the answer is no.
2007-02-09 07:54:29 · answer #4 · answered by njyogibear 7 · 0⤊ 0⤋
Rules vary greatly from state to state.
The only 100% positive way to know for sure is to call your insurance agent.
Don't trust your life to the folks on Yahoo Answers (sorry guys).
Here is my thought....if your brother doesn't have insurance and you are giving him permission to drive your vehicle, then you would be liable for any accidents/deaths he might cause. But, call your agent to be sure.
Good luck!
2007-02-09 09:29:19 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Insurance goes with vehicles, not drivers. If he is driving with your permission he is covered under YOUR insurance. In the even they ran out of coverage on yours, then his might kick in.
But you would suffer the most loss.
2007-02-09 08:04:39 · answer #6 · answered by oklatom 7 · 1⤊ 0⤋
Actually he would be liable for any violations such as if he gets ticketed or arrested for his actions leading up to the bad event. Your insurance company on the other hand will still hold this against you unless he has his own car and insurance company.
2007-02-09 07:52:13 · answer #7 · answered by Joe K 6 · 0⤊ 1⤋
Insurance follows the vehicle not the driver. If he has an accident it is your responsibility, not his. If you let someone use your car you are also letting them use your insurance.
Call your agent and double check.
2007-02-09 09:46:51 · answer #8 · answered by blb 5 · 0⤊ 0⤋
In MA, if your brother lives with you he needs to be covered under your insurance to be covered for accidents regardless of who's driving. If you have separate homes, he has to have his own insurance to be covered for accidents while in your car.
2007-02-09 08:01:41 · answer #9 · answered by Compassionate Chick 2 · 0⤊ 0⤋
no longer an outstanding concept, i think of you will finally end up on choose judy. what if something takes place you lose your interest or get cut back in hours and can't make the money, they are in a position to and in all probability will sue you on condition that they have evidence which you may pay it. then non fee will wreck their credit. i think of its maximum suitable to take over the non-public loan, have it on your call.
2016-11-03 00:15:27 · answer #10 · answered by ? 4 · 0⤊ 0⤋