got into accident with my moms car, but not my fault, my front fender got pushed in and my bumper got messed up. my insurance sayd they might not cover it because i'm not the owner or on the policy of the car, but i live in the same house and it wasn't my fault. does my insurance cover it
i got commerce 1st class with liabilty
2007-04-13 13:56:21 · 11 answers · asked by fjbelgrave 1 in Cars & Transportation ➔ Insurance & Registration
If your mother lied to the insurance company then you are in bad shape. Otherwise, your mother can let anyone drive her car and they are covered. Car insurance covers the car not the driver.
2007-04-13 14:05:02 · answer #1 · answered by Nelson_DeVon 7 · 0⤊ 0⤋
If if wasn't your fault then the person who hit you's insurance company would pay. If you are a young driver & weren't listed on the policy & live in the household then they might not pay. I would suggest getting your own cheap policy. You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.
Go to: http://www.insureme.com/landing.aspx?Refby=616165&Type=auto
Take care,
Casey
2007-04-16 02:03:56 · answer #2 · answered by Anonymous · 0⤊ 0⤋
You've left out way too much here. Do you live at home? If so, and you have a license, you should be on her policy. If you aren't, and the accident is your fault, they would be reluctant to cover it, but probably would if she has collision and you had her permission to drive her car.
If it really isn't your fault, the other person's policy will be covering it.
2007-04-13 14:21:43 · answer #3 · answered by oklatom 7 · 0⤊ 0⤋
If its not your fault have the other person's insurance cover it. If another car wasn't involved you can try your insurance, my friend's girlfriend wrecked his car and hers covered it. You mom's insurance may also cover it since you live in the same house.
2007-04-13 13:59:57 · answer #4 · answered by hopefultobe 3 · 0⤊ 0⤋
Even if you live in the house, but have your own car thru a different insurance company they dont have to cover you. But if you had permission to drive the veh, then it should be under your moms liability insurance.
2007-04-14 09:05:18 · answer #5 · answered by D.L. 4 · 0⤊ 0⤋
Unless your mom had your name listed as a driver, the insurance company is well within their rights to refuse coverage. If need be, you may be required to contact an attorney for help! Good luck!
2007-04-13 14:01:22 · answer #6 · answered by Kiffin # 1 6 · 0⤊ 0⤋
if you have only liability, no. But if the other car that was involved was at fault, then their insurance should cover it.
Liability insurance only covers the other guy
2007-04-13 14:06:13 · answer #7 · answered by Anonymous · 0⤊ 0⤋
They have ever right to deny it. Everyone in your household of driving age with access to the keys of the car should be on your policy. Why should they pay for damages you cause when you guys arent paying them for you to drive it?
2007-04-13 14:21:41 · answer #8 · answered by la428282 6 · 0⤊ 0⤋
Hopefully the other driver has insurance to
pay for the damages.
2007-04-16 21:46:35 · answer #9 · answered by PENMAN 5 · 0⤊ 0⤋
i think the insuranse will not cover you because the car you were riding is not for hire
2007-04-13 14:06:51 · answer #10 · answered by donnalyn sabio 1 · 0⤊ 0⤋