My boyfriend's car broke down, and I want to let him borrow my car while I'm at work so he won't feel so "caged" or whatever. He's not on my policy. What happens if there's an accident or he got pulled over or anything? Would he have to be added to the policy to be safe about it? I've honestly never let ANYONE drive a car of mine before, so this is a huge thing for me. Thanks.
2007-02-23 15:45:42 · 8 answers · asked by Holly 5 in Politics & Government ➔ Law & Ethics
Up yours, amma.
2007-02-23 16:02:58 · update #1
If it is as casual as that there is no problem (although if he wrecks it and your policy has a deductible it will be a major strain on your relationship arguing over who will pay that deductible).
What the insurance companies are trying to avoid is someone who has a kid with a bad driving record (lots of points against them) who lives in their house but is not on the policy for the cars that he often drives. In that case the insurance company might not pay for accident damage.
2007-02-23 15:51:52 · answer #1 · answered by Rich Z 7 · 0⤊ 0⤋
Your best bet is to call and have him insured on your policy, this covers your butt and his. If there happened to be an accident and lets say he leaves the scene, they come find your car and you just happen to be driving it or you are at home you will automatically be fingered as responsible unless he was seen, now if it's known that you intentionally let someone drive your vehicle without insurance that could cause a real problem for you as well as the un-insured motorist. Depending on the law enforcement officer and the situation, if there was an accident or a ticket, it could be a slap on the wrist to automatic jail time and your car could then be towed. Just be careful and contact your insurance company, I am sure they will be more than willing to put him on your policy until he gets his car back on the road. Good luck.
2007-02-23 15:53:02 · answer #2 · answered by OfcHando 2 · 0⤊ 0⤋
duh...check the policy documents that you must have signed. If you dont have them ask your insurance company to provide them.
Usually, there is an insurance for the car and insurance for the driver. In most jurisdictions, you have to have either your car insured and your boyfriend as an occasional driver (usually less than twice amonth or something) or your car insured, and your boyfriend added on the policy as a secondary driver.
When he gets pulled over, your boyfriend would have to show licence, registration and proof of insurance. Usually the proof of insurance mentions who the primary driver, secondary driver etc, are and which car the insurance is for. The police then match that to the name of your boyfriend and the registration of the car. If there's not a full match, I'm not sure what happens.
If he is in an accident as an uninsured driver of your vehicle, he wil be legally liable for any debts accruing due to the accident. Therefore he needs to pay you for fixing the car, and the insurer of any other parties, and any lawsuits that any victims initiate.
So in summation, check your policy and state laws...it's safest to add him as an occasional driver and get him to pay you the extra premiums he would have to pay, if you expect this arrangement to last for longer than a few weeks until he buys a new car or until car is fixed. If your policy is standard, you can lend him your car as long as he drives like a 60-year-old until his is fixed. If he'll need a new car, then I would suggest not lending him your car, as he might decide to take advantage of you and that will cause huge headaches.
2007-02-23 16:00:26 · answer #3 · answered by ammarmarcusnaseer 3 · 0⤊ 1⤋
In some states, it is the car, not the driver, that is insured. So as long as there is a policy on the car, any driver is covered. But check your policy, because the laws governing this differ from state to state.
2007-02-23 15:58:54 · answer #4 · answered by Bush Invented the Google 6 · 0⤊ 0⤋
You both have responsibilitiy. He should be insured too. The insurance policy follows the driver, not the car. If there's an accident, you will be listed as the owner and he as the driver. Both can be held liable for damages.
2007-02-23 15:53:28 · answer #5 · answered by Anonymous · 0⤊ 0⤋
my insurance company allow me to have someone who is not listed on my policy drive my car 12 times a year and cover them. (Depending on his age and yours)
under 25 drivers in my car i pay a higher excess if they are the driver at fault
i would personally contact your insurer and check out that sort of infomation. Its better to be safe than sorry
2007-02-23 15:57:26 · answer #6 · answered by mel_leno 3 · 0⤊ 0⤋
Review your policy and see what it says. Then check your boyfriend's policy to see if it covers him when he drives your car.
If neither policy covers him while driving your car, call your agent and have him added. The cost should be minor, depending on his driving record.
2007-02-23 15:50:59 · answer #7 · answered by Kevin k 7 · 0⤊ 0⤋
not the same, you fall into a higher rat, such as SR22, is for people who lost privilages, one they get there license back, they cannot get the same insurance they once had, that's when SR-22 comes in. Its a higher bracket which starts out as $1200 for six months, depends on how many points you have
2016-05-24 04:39:31 · answer #8 · answered by Anonymous · 0⤊ 0⤋