I let my boyfriend drive my car and we hit another car and he's uninsured. I have insurance, im on my fathers policy. What can happen ? The drivers of the other car took my information but they said they were willing to settle with my boyfriend without going through insurance.
2007-02-27 23:56:48 · 7 answers · asked by Mata Hari 1 in Cars & Transportation ➔ Insurance & Registration
The driver of the car we hit had insurance as well.
2007-02-27 23:58:40 · update #1
First, the insurance follows the VEHICLE, not the driver. The vehicle's insurance is primary, any insurance the driver has is secondary. Under the definition of an insured on the auto policy, anyone using a vehicle with the owners permission is insured. The only possible sticking point is that if your father DENIED permission (implied permission is still permission) - but he may have to report the vehicle stolen to prove that. I would have your father report it to his company right away. IF there were any injuries (which CAN show up later) and your boyfriend pays for the damage out of his pocket, he is ON THE HOOK for ANY bodily injury claims because what he did was admit 100% liability by paying. If he rearended the other person, the insurance company will pay 100%. If it was any other type of accident, he may not be 100% at fault. Report it to the insurance company, then let them work it out with the other insurance company. That is always the best way to go. Also, accident surcharges follow the driver. If your boyfriend is not a member of your household and is not a regular operator of the vehicle, he doesn't need to be listed on the policy. There will not be an accident surcharge on your father's policy. But, the company may chose to change the tier to recoup some of their payout. Be prepared, the company will ask a lot of questions about the circumstances why he was driving. I would suggest next time, you do the driving!!
2007-02-28 01:16:10 · answer #1 · answered by Sue 6 · 0⤊ 0⤋
You will have to check with the company your father has his ins through to verify for sure. Insurance is taken on the CAR and not the DRIVER. Only if he is specifically excluded from the policy would the coverage not apply. Generally, if your father has full coverage on his car and allows someone to drive the car they will be covered under his policy. It varies ALOT from company to company but if you have your insurance through a reputable company your boyfriend should be covered. If he has the chance to settle out of court without going broke though, he should. I dont think your father will be very impressed if he has to pay a deductible and then the higher premiums that come with filing a claim.
2007-02-28 08:34:36 · answer #2 · answered by joeinchino2000 4 · 0⤊ 0⤋
Consider yourself lucky. If the other driver is willing to let your boyfriend settle out of court without getting insurance involved you should consider yourself very lucky.
I highly doubt your dads insurance would have covered him.
Now some advice:
DONT LET BOYFRIENDS OR OTHER FRIENDS DRIVE YOUR CAR. Especially if he is uninsured. Im certain you have heard that from your dad already, but maybe the more you hear it the better the chances are it will sink in.
Tell your boyfriend if hes gonna drive to get insured.
Myself, had he hit my car without insurance i would have turned it over to the police to handle it. I hate to be a prick but ive been there and done that, ive been hit by uninsured drivers one too many times.
2007-02-28 08:03:47 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Most laws in states say, never leave a accident without calling police and report it, if you did? If it was reported, then it will fall on you fathers policy,which is not good. you let someone drive your car that was not insured. If the other driver of car doesnt turn it in and is willing to let you pay out of pocket, dont let him make you pay more then what the damage is worth....
2007-02-28 08:07:21 · answer #4 · answered by Anonymous · 0⤊ 0⤋
hooooopa....not good ... pending on where you live..your father can be taken to the cleaners for lending the car to an uninsured driver... i suggest settle ASAP without notifying Ins Company, but get a written document from the complainer stating that the situation is now settled with no further actions to be taken...without the document, he could come back time and time again
2007-02-28 08:07:04 · answer #5 · answered by wolfwagon2002 5 · 0⤊ 0⤋
Hope they settle with him. Otherwise it'll depend on what your father's policy says about uninsured drivers using the vehicle; especially as you are ON his policy.
2007-02-28 08:00:26 · answer #6 · answered by wizjp 7 · 0⤊ 0⤋
Settle it among yourselves.. don't try to get the insurance involved. However, don't give any cash to HIM.
Take him to a repair facility and get an estimate YOURSELF and pay the repair shop directly.
Good Luck.
.
2007-02-28 08:17:27 · answer #7 · answered by rob1963man 5 · 0⤊ 0⤋