2007-02-24 02:18:39 · 17 answers · asked by gingerxx0xx 1 in Cars & Transportation ➔ Insurance & Registration
Simply put, Yes especially if they are not an occupant of where you live of do not have regular access to your auto. If they live with you or have regular access to your auto they should be listed on your policy even if unrelated and if they don't maintain insurance on there own auto if they even have one. But it's covered.
Now if he does have his own insurance then his will take place of yours, and the insurance carries may try and subjugate the damages. It will just depend on the extent of the damages not only to your auto but whomever or whatever he hit.
Good luck and take care, all will be fine.
2007-02-24 04:09:40 · answer #1 · answered by deanspurrier 3 · 0⤊ 2⤋
Everybody seems to be missing the point that the accident occurred in a parking lot, not on the street, therefore he wasn't doing anything illegal. Since he was in the driveway he had right of way and since your girlfriend was backing out of the parking space she is at fault. How he came to be there is irrelevant. Your insurance company will investigate and assess responsibility and if they find that his actions contributed to the collision in any way they will assess damages proportionately. As for your insurance you will have to check with your company to check if she is covered or read your policy. Some companies cover other drivers but this is usually an addendum to the basic policy.
2016-05-24 05:38:59 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Most "preferred" insurance carriers allow anyone you give permission to drive the vehicle, and are NOT using it for business, to have coverage. Insurance follows the vehicle.
*If the driver lives in your household then they MUST be on the policy, either added or excluded, but their name needs to be on there.
If the driver has their own insurance, yours will be on top of theirs.
That being said, if you allow someone to drive your car and they are in a serious accident, your insurance will go up and may even be canceled depending on the circumstances. So be responsible with whom you share your car.
2007-02-24 03:15:21 · answer #3 · answered by Nate W 5 · 1⤊ 0⤋
That depends on the insurance that you carry, and if exclusions are included. Look at your policy, it will tell you who is covered and who isn't. Oftentimes, if you live with a roomate, or someone that doesn't have a very good record, you will have exclusions written into your policy. My daughter's full coverage insurance (comp/collision) has an exclusion that if she borrows a vehicle from someone she resides with, her insurance will not cover her. Being in the know about your policy is an important part of being a car owner.
2007-02-24 08:46:38 · answer #4 · answered by fisherwoman 6 · 0⤊ 0⤋
Depends on your policy? the standard policy states that as long as the person is over 25 years old and does not live at the same address they are covered.I was driving my girlfriends car and i'm over 25 and i was living in my own place and i got into a terrible accident and her insurance company has been taking care of me very well..the accident was my fault in a way..but i was never charged.
2007-02-24 02:31:22 · answer #5 · answered by rcbrokebones 4 · 0⤊ 0⤋
Vehicles are insured, not people. As long as you have checked that the person borrowing has a valid drivers license, and you have given permission for them to drive, your insurance covers them. The only time they would have to be named on your policy would be in a husband wife or room mate situation. Otherwise every time you have your car worked on, you'd have to add the mechanic to your insurance before he could test drive it after the fix.
2007-02-24 03:43:29 · answer #6 · answered by oklatom 7 · 0⤊ 2⤋
That could depend on your coverage and theirs. I have something in my policy to insure me to drive anyone's car. Not all policies have that. But those things change with time. Get to know your own policy. Don't take chances without knowledge.
2007-02-24 02:22:29 · answer #7 · answered by ? 6 · 0⤊ 0⤋
NO. you need to add that person to your insurance. do not let anyone drive your car unless they are covered.
2007-02-24 02:20:42 · answer #8 · answered by samantha 3 · 0⤊ 0⤋
No, the driver is cover by their own policy, if they have car insurance. I would make darn sure that they do before I lend them my car.
2007-02-24 02:22:19 · answer #9 · answered by WC 7 · 0⤊ 1⤋
Yes. It is CAR insurance, not people insurance. So the car is insured against damanges. Clear this up better with your insurance provider. They have booklets.
2007-02-24 03:14:52 · answer #10 · answered by ButwhatdoIno? 6 · 0⤊ 1⤋