Is the driver responsible or the owner?

Question

Let's say I loan my car to a friend, who gets into an accident. Which one of us should file a claim with our insurance company? Both of us have good insurance. If I file with my company, will they raise my premium even though I wasn't driving? This is in California, btw.

Answer 1

This varies by state. Since you had the brains to tell us which state, I will show you the correct answer, not just the wild *** guess most give.

http://www.4carinsurancequotes.com/claims.htm

Looks like it goes against your insurance.

Answer 2

It's going to go on your insurance. Car insurance insures the car, not the person. So if your firend was driving your CAR, it is covered under your car insurance. Unfortunately you insurance company will raise your rates after the accident. Once way to prevent this is to give the insurance company proof that your friend has his own insurance. If you can prove that your friend has his own insurance policy, in most states, the insurance co cant charge you, but it will stay on your record and make it more difficult if you go shopping for new insurance.

Answer 3

Technically the insurance follows the car, not the driver. You would need to report claim to your insurance company. With your friend not being listed on the policy, they should still cover claim per permissive use. Your friend's insurance would be excess to yours and would not handle damages unless your carrier denied claim for whatever reason. The only reason why I would see your carrier denying the claim would be if you had a strict policy that states specifically that they would not cover your vehicle if driven by anyone not listed on policy.
Hope this helps!

Answer 4

The claim goes on your insurance, but since your friend is not a listed driver - they may deny the claim.

Your rates will not increase as you were not driver, but they might also drop your policy.

Finally, if neither company pays for the accident - the party your friend hit can sue BOTH the driver and the owner.

Answer 5

I'm not sure about California law, but I would make the driver call his insurance company first. You could also contact your state department of transportation and ask them if the insurance follows the driver or only the vehicle it was written for.

Answer 6

insurance follows vehicles, not people. The claim is filed with your insurance. Most of the time insurance won't charge you for a first time lending loss.

Answer 7

It would be filed under your insurance but your friends insurance would be considered excess. If you had lower liability limits and your policy paid out the limits on the policy and your friend had higher limits you would turn in a claim under his policy for the difference.

Answer 8

A bartender and a liquor shop proprietor the two have criminal and ethical household initiatives for overseeing drunken consumers and can be sued the two in criminal and civil court docket for violating the liquor administration rules of their respective state. The president of an AA team might have not got any understanding of a member eating on any given date till he observed them. The alcoholic is in charge on the grounds that he or she is finally the single to devour too a lot and subsequently is using under the impact of alcohol. The police officer finally enforces rules concerning such concerns so for sure they are in charge for under the impact of alcohol drivers. The AA team president does no longer observe of understanding whilst any specific guy or woman in the gang is eating and bears fairly no accountability for somebody elses habit on the grounds that they did no longer serve them alcohol.

Answer 9

Usually it's the owner not the driver but it varies by state..I live in Kentucky and it goes by the owner not the driver here. Good Luck!

Answer 10

The person who borrowed the car should report it to their insurance, and do it in a timely manner. They should also pay their deductable.