I was recently in an accident in my girlfriend's car. I am currently insured through my father's insurance policy, but my girlfriend's car was not insured (she had very recently gotten it from a relative and had not "gotten around" to setting the insurance up yet). Will my insurance cover her car? Or are we going to be obligated to pay the damages? Or what other options are available?
2007-03-15 10:40:30 · 6 answers · asked by ashtoncole 1 in Cars & Transportation ➔ Insurance & Registration
You drove without insurance. Not getting around to it is no excuse. Your insurance will not cover her car.
2007-03-15 19:41:43 · answer #1 · answered by Fred C 7 · 0⤊ 0⤋
Insurance follows vehicles, not drivers. If you were driving an uninsured vehicle, it looks like your girlfriend is now in big trouble as a result of your actions. Why would the insurance that covers you driving your father's car extend to anything else but your father's car?
Options? Sure. Find out the losses, and pay them since you were the reason for the losses. It's the moral and right thing to do.
2007-03-15 10:46:47 · answer #2 · answered by oklatom 7 · 1⤊ 1⤋
Depends on your state and your insurance provider. I know that's not the answer your looking for, but it varies from state to state and carrier to carrier.
In my state CO, if you have a preferred insurance company, they will cover the liability damages(damages to the car/driver you hit), but only after the primary insurance on the car has been exhausted. (In your case, there is no primary). I don't know of any state where your insurance will cover your girlfriend's car if it's not listed on the policy.
The best thing you can do is call your insurance agent and find out from them.
2007-03-15 11:00:13 · answer #3 · answered by Nate W 5 · 1⤊ 0⤋
It depends on what state you live in. California - the insurance follows the car not the driver. So if the car did not have insurance then yes you will have to pay for everything.
2007-03-15 10:48:23 · answer #4 · answered by j 4 · 1⤊ 0⤋
honestly! no individual of their proper ideas maypersistent an unregistered vehicle. in simple terms because your coverage may also cover you using someone elses automobile (even as your insured automobile isn't getting used), it doesn't aid you off the hook if that automobile does no longer carry coverage or registration. you're taking an excellent risk (criminal criminal accountability) if youpersistent any automobile with out license plates. imagine about it. are you able to have the funds for to cover the cost of a Rolls Royce in case you occurred to 'bump' or 'entire it'? If the owner had in simple terms offered the automobile, why did not the 'broking' grant registration and license plates? automobile sellers have 'commerce Plates' which they use for non everlasting transportation to a Registery place of work or to a distinct vacation spot. the in person-friendly words risk-free way should be to have the vehicle 'towed' or carried on the again of a truck to its vacation spot.
2016-11-25 22:28:32 · answer #5 · answered by ? 4 · 0⤊ 0⤋
Normally in this case, your insurance would become primary. But you need to read your policy b/c there are exclusions to this, such as if it's available for your regular use, if you had permission, etc.
2007-03-15 13:54:50 · answer #6 · answered by bundysmom 6 · 1⤊ 1⤋