A friend of mine got into an accident with his dad's car. What should he do? I believe he isn't in the policy. Can they (he & his dad) claim through his dad's insurance?
2007-03-15 14:25:55 · 8 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
yes he can unless he didnt have permission from the insurance company if some one stole the car its coverd if they had full coverage if he only had liabnility the other car is coverd not his
2007-03-15 14:47:50 · answer #1 · answered by mobile auto repair (mr fix it) 7 · 0⤊ 4⤋
Insurance works like this; liability covers the damage your vehicle does to people and property regardless of who was driving. Comprehensive damage policy covers the primary driver listed on the policy. Now; if, the owner has a uninsured and/or under insured policy; than, maybe - depending on how the policy is written, may cover any driver. Best thing to do is contact the insurance agent and ask questions//make the call because if you don't; even if you were not at fault, the court could assign your dad as risk 22, which means any policy, including the one he now has, will cost triple for the next 5 to 7 years. And could be identified as attempting to conceal a reportable accident; which means possible jail time. Or at the very least, lost of drivers license, and ability to register or re-new registration. No matter how you look at it; it's a risk, so report it and avoid the legal problems that come with not reporting it. Doing it that way the worst that could happen is that the person at fault will have to repay the insurance company. Good Luck.
2007-03-15 14:49:01 · answer #2 · answered by denfasr 4 · 0⤊ 3⤋
If your friend is listed as a driver on his dad's insurance policy, then the policy will cover him. If he is not now on the policy, he cannot claim it through his dad's insurance, period. Your friend owes his dad some bucks for repairs, and possibly a loaner car for dad to drive, he also will be ticketed for driving without insurance, causing him to have to carry SR22 insurance for a period of three years.
2007-03-16 13:56:47 · answer #3 · answered by fisherwoman 6 · 0⤊ 0⤋
Yes, as long as he had permission to drive the veh, then his dads insurance should cover it. Now most company's require that if a person is under 18, and a licensed driver, and living at home they need to be added to the parents insurance. I don't know if this is the case with your friend, but hope that help's..
2007-03-15 14:46:18 · answer #4 · answered by D.L. 4 · 0⤊ 1⤋
claim it but don't lie.... if he's excluded on the policy and they claim dad was driving that would be insurance fraud and it carries a hefty fine along with jail time fixing it out of pocket may be cheaper
2007-03-15 18:49:09 · answer #5 · answered by Greg 1 · 0⤊ 0⤋
If they had full coverage it is possible , if they had liability then it just covers the other persons car . Here if a licensed driver lives in the home then they have to be on the policy, if not the full coverage has the right to not pay , but by law the liability has to pay ..
2007-03-15 14:49:30 · answer #6 · answered by Insensitively Honest 5 · 0⤊ 2⤋
Yes. Most policy's allow for a "permissive user." As long as permission was given for the driver to have the car and use it, there would be coverage.
2007-03-15 14:44:01 · answer #7 · answered by shmigs 3 · 0⤊ 1⤋
Yes. Insurance always follows the vehicle unless the son was EXCLUDED from the policy.
2007-03-15 14:58:01 · answer #8 · answered by Anonymous · 1⤊ 1⤋