My dad has a full coverage policy on his car, but sometimes I take it for a spin. If I were to be in an accident, would the car be insured and the expenses paid?
2007-04-27 05:04:48 · 18 answers · asked by cam1560 3 in Business & Finance ➔ Insurance
It should be, but some insurance companies dont cover it. Your dad may have to put your name on the policy for a driver to be covered. But some companies do cover any driver.
2007-04-27 05:07:48 · answer #1 · answered by lil22dezi 2 · 4⤊ 0⤋
1
2016-09-25 03:38:19 · answer #2 · answered by ? 3 · 0⤊ 0⤋
I will have to speak in generallities due to the amount of information missing and the varing insurance laws depending on the state you reside in.
Full coverage is usually the term people give to auto policies that contain comprehensive (OTC) and collision coverage. Basically, the vehicle insured can be repaired after paying a deductible.
The term is misleading though, and many people beleive because the vehicle has "full coverage" everything is covered.
That may not always be the case...
Many companies provide OTC & collision coverage to an insured vehicle regardless of the driver with the exception of named excluded drivers. Unforunatley, many companies also reduce the liability coverage to state miniums which may offer only a fraction of the protection your father may have purchased (Simply put, the amount of money available to fix the other parties vehicle and any injuries sustained to the driver and/or any passengers).
Your best option would be to have your father contact the agent and ask about this situation. You and your father may find it easier to add yourself to the insurance if it is not covered or reduces liability limits.
I recommend doing this before you take the car out for another "spin". A damaged car that your dads company refuses to repair can ruin your day or even week. However, not having the adaquate liability limits to pay for any injuries sustained or property damaged can hurt your wallet (or your dads) for years.
Good luck!
2007-04-30 23:44:07 · answer #3 · answered by theluchador 1 · 0⤊ 0⤋
There are too many possibilities to answer this accurately.
1. Are you a listed driver?
2. Are you an excluded driver?
3. What are the state minimums for coverage in your state?
4. Why were you using the car?
5. Did your father disclose to his agent that you were of driving age and living in the house?
6. etc etc etc
Just saying he has full coverage is not enough to guarantee coverage. If your father does not have you on the policy, they could investigate, find out that you should have been added, deny the claim and void the policy. If you are an excluded driver, the damage to your car would be denied, but the other car *may* be paid for. If you were using the car for business purposes (i.e delivering pizzas), the damage could be denied.
Basically, there are too many factors. To be safe, your father needs to add you as a driver.
2007-04-27 05:11:20 · answer #4 · answered by Anonymous · 0⤊ 2⤋
If you have 10 people in a room, they can all describe "full coverage" as meaning different things. Typically, it means liability and physical damage coverage on the car - it does NOT relate to drivers.
If you are listed as an operator on your dad's policy, then yes, you're covered. If you're EXCLUDED on your dad's policy, then no, nothing is covered. If you're not listed or excluded, it's going to depend on the state you live in, the insurance company, and policy form, whether or not you and/or the car would be covered.
2007-04-27 05:44:20 · answer #5 · answered by Anonymous 7 · 0⤊ 2⤋
#1: If you live at home and your dad has not listed you as a licensed driver in the household, and you were driving his vehicle and got into an accident the insurance company will NOT cover anything (if it is your fault)
#2: If you do not live at home and are not listed as a licensed driver in the household, anyone driving your dad's car with his permission is covered (if it is your fault)
#3: If you have full insurance coverage on your own vehicle and are driving your dad's vehicle and get into an accident, your insurance will cover costs as well (if it is your fault).
#4: If you were driving your dad's car and it is the other person's fault.....Their insurance will cover costs. If they do not have insurance then you can sue them for damages or file a claim against your dad's or your insurance company.
2007-04-27 05:12:51 · answer #6 · answered by Anonymous · 1⤊ 2⤋
all insurance companies what all drivers listed on a policy if they drive the car, if something is to happen while your driving and your not on the policy the insurance company can reject the claim check out globalwideinsurance.com
2007-04-30 17:43:24 · answer #7 · answered by Anonymous · 0⤊ 0⤋
You need to be listed on your dad's policy as an occasional driver. His rates will probably go up a little but not as much as if it were your car. Depending on the insurance company and the policy, if you're not listed on the policy and the accident turns out to be your fault, they may not pay a dime.
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2007-04-27 05:09:31 · answer #8 · answered by NoahTall 4 · 1⤊ 2⤋
I always was under the assumption that any person intending to drive the insured vehicle must be on the policy. So I would have to say no.
Let's find out what others think?
I like the question.
2007-04-27 05:10:51 · answer #9 · answered by rarobibyrd 1 · 0⤊ 2⤋
If you are on his insurance policy yes, but beware some insurance companies will only cover the primary driver in a wreck and that would be your dad
2007-04-27 05:09:22 · answer #10 · answered by Robert B 4 · 1⤊ 2⤋