Accident driving somebody elses car. Not my fault - am i covered?

Question

I borrowed my mums car for the day as mine was in the garage, somebody at work ran into the back of me. I have third party cover on my insurance to drive other cars but i have since found out that my mum's insurance has expired (she's selling the car) Will this affect the claim in anyway with me not being at fault???

Can i reiterate i do have insurance on my own car fully comp but am insured third party only to drive other cars. I can drive other cars with the registered keepers permission on my insurance but just not sure whether the fact my mum has no insurance on this car will affect it

Answer 1

As you have 3rd party on your own cover there is no problem with you being uninsured. The fact that your mums insurance has expired has nothing to do with it.

You need to make sure that you tell your insurance that this was a no fault accident, that you are not prepared to settle knock for knock, and then you will need to pursue the other insurance company for all of your non insured losses.

Answer 2

I'm assuming that you are in the UK.

The fact that your Mum didn't have insurance is irrelevant.

You were driving the car, you were insured to drive it - under your own insurance policy, but as you say, only on a third party basis.

As the fault wasn't with you, then the other driver's insurance will cover the cost of repairs to the vehicle.

However, a word of caution, if you do this, even though you weren't at fault, it will effect your NCB (no claims bonus),

If the damage isn't too bad I would suggest that you get an estimate of the cost to repair it and see if the other driver would be prepared to pay you, or whoever repairs it, instead of going through the insurance companies.

That way you both don't have to declare the accident, and don't lose your NCB.

Certainly wish I'd done that when I reversed into a colleagues car in the work car park............ cost me a fortune when it came to renewing my policy!!

Answer 3

Depends on where you live. Some states you cannot collect if you dont have insurance of your own. Others the at fault parties insurance still pays.

On a side note.. what if you hit a child crossing the road today while driving your moms car that had no insurance? And what if the childs family was poor and had no money for medical bills? DRIVING WITHOUT INSURANCE IS TERRIBLE

Answer 4

In CA, people are insured, not cars. The trick is to figure out the finances in accidents. Let's recap. You were covered to drive other cars, so your mom and her insurance has nothing to do with it. Next Q is, was the idiot covered? If he was, his insurance company should take care of things and you shouldn't even call yours. The call is databased and eventually affects future rates. Next, figure out damage vs. deductable, assuming idiot wasn't covered. This is the tricky part. Some will give estimates in the thousands, others in the hundreds. Also, how does one figure rise in rates in the future? Drill the idiot and make him or his insurance co. pay for everything, explaining the urgency because your car was to be sold. Good luck.

Answer 5

Yes as the car is illegal to drive as does not have full insurance! You are only covered it the car is insured fully comp by your mother and fully comp by you as when you drive her car it would cover you 3rd party fire and theft. To your mothers car it is not insured even if your policy states to drive other car. Sorry you need to settle without insurance co's.

Answer 6

I'm not sure exactly what it is you're asking. I don't see what your insurance has to do with the claim, it's the other guy's fault, so YOU will be suing HIM. HE has to claim on HIS insurance. (I'm assuming that your Mum's car was damaged).

If you're asking if you were legal, the answer's in your question - "I have third-party insurance to drive other cars" - that's all you're required to have.

Answer 7

every insurance is different. And it could be different from country to country. In the states that is pretty common in "No fault" states. It'll be on your record for about 3 years. The reason your other company didn't catch it before is because you were on time with your payments and didn't cancel. They will run your record every 3 or so years depending on your demographic. But because you made a claim they will put it on your ins record. If you want to avoid paying for damage that you didn't cause in the future have the driver bill his/her own insurance next time.

Answer 8

Good question, I would think that his insurance will cover the damage since he is at fault. If you live in a no fault state then it may have to go to your insurance co and they will want to get theri money from the other insurance co. Good luck

Answer 9

Normally with fully comprehensive insurance you are covered to drive any motor vehicle not belonging to you as long as it is not under a hire purchase agreement.
However the vehicle you are driving must have its own policy.
Offer the other driver the chance to settle with out going through his insurance.this will save his no claims discount.

Answer 10

insurance follows the vehicle. so in a normal case, a claim would be made under your mom's insurance policy and the damage would be covered. however, seeing that for what ever reason she did not continue her policy (which is illegal) your insurance policy will cover all damages. however, my recommendation...if you know the person who rearended you and you are not at fault then go directly through their insurance for your vehicle repairs. this way you don't have to worry about having your insurance covering the damage.
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in regards to one answer above...i don't know what you would be suing for...it's a simple rearend...no need, reason, or even warranted for a suite to be made. just merely filing a claim for vehicle repairs.