My brother-in-law let another family member drive a vehicle they were not insured to drive? any idea what our insurer will do? will they allow us to claim the wreck or am I stuck paying out-of-pocket?
2007-03-02 08:48:47 · 7 answers · asked by Amy V 4 in Cars & Transportation ➔ Insurance & Registration
Can I shoot my mother-in-law? she was the driver
2007-03-02 09:08:36 · update #1
First, the insurance follows the vehicle, not the driver. Did he have a valid license? Anyone can drive your vehicle with your permission (even implied permission - not even direct permission) and they are covered. I don't see why you can't claim the damages. Was there another vehicle involved? If there was, I would definitely report it to your insurance, it could come back to haunt you if you don't.
2007-03-02 08:56:03 · answer #1 · answered by Sue 6 · 1⤊ 0⤋
As long as you carry collision, unless there is a specific exclusion on your policy it will be covered. This is considered a "permissive use" issue, meaning it was implied this gal had the permission to use your vehicle. Insurance follows the car, not the driver.
This is also considered an at-fault accident because the driver of your vehicle caused the damage. You may want to take it to a body shop and find out how much the repairs will be before you claim it, because you'll have to pay both a deductible and the raised premium.
Yikes, sounds like you need to keep a tighter reign on who's got that car-she could have hurt herself or someone else which would be far worse.
2007-03-02 12:05:44 · answer #2 · answered by Pieandchips 3 · 1⤊ 0⤋
Most preferred insurance companies will insure anyone driving the car with a valid driver's license and permission. Like someone above said, it is very important that this person does not drive the car regularly, otherwise they'll make you put them on your insurance.
So the car is covered but your insurance will go up for the next 3yrs... I guess you can still shoot her.
2007-03-02 09:23:19 · answer #3 · answered by Nate W 5 · 2⤊ 0⤋
It depends on who you are with, but there is a chance your claim will be denied because your relative wasn't insured.
However, if your policy includes coverage for uninsured drivers (in case of an accident), it's possible your claim may be accepted, but that coverage is normally there if another car hits you and that driver is uninsured.
Check with your insurance agent.
2007-03-02 11:04:04 · answer #4 · answered by brotherb95 3 · 0⤊ 1⤋
your vehicle has insurance it should cover anyone who is in the vehicle, although your premiums will go up for allowing them to drive it.
2007-03-02 08:52:19 · answer #5 · answered by Shopaholic Chick 6 · 0⤊ 0⤋
You should be covered. Make sure everyone has their story correct....that it was an exceptional circumstance that this person was driving.
2007-03-02 09:11:21 · answer #6 · answered by DJ 7 · 0⤊ 0⤋
THE family member will be sued.
2007-03-02 08:52:08 · answer #7 · answered by just me 4 · 0⤊ 1⤋