I let my friend barrow my car, and she let an uninsured diver drive it. The uninsured driver crashed my car. She gave the police my insurance information.
What's going to happen? Will my rates go up? Who will pay for the damages on my car and the other car?
2007-06-02 06:13:42 · 10 answers · asked by daniel y 2 in Cars & Transportation ➔ Insurance & Registration
My car rear ended a truck. Most the damage is to my car.
2007-06-02 06:35:27 · update #1
Your rate will go up.
Find better friends. The LEAST they can do is pay the deductible now.
2007-06-02 09:10:13 · answer #1 · answered by Kasey C 7 · 1⤊ 0⤋
1
2016-09-25 10:15:44 · answer #2 · answered by ? 3 · 0⤊ 0⤋
Actually, there is no such thing as an uninsured driver IF the vehicle owner has coverage and the driver has a valid license. The driver had every right to give the police your insurance information, since, by extension, you allowed her to drive your vehicle (which is insured in your name).
You will be held responsible, insurance-wise for the accident and in all probablility your insurance will go up if and after your carrier pays the damages. If you claim that the driver didn't have permission to drive your car, the situation gets sticky as the insurance company may refuse to pay the claim and you could be sued as owner of the vehicle.
That's part of the reason why I never loan my car to anyone - friend or family!! Good luck!
2007-06-02 06:21:17 · answer #3 · answered by Kiffin # 1 6 · 0⤊ 1⤋
Your insurance is in force as long as the operator had your permission or reasonably believed that they had your permission to operate the vehicle.
Vehicles are insured, NOT drivers! Your policy covers your vehicle, all listed drivers in your household, and all non-household members operating the vehicle with your consent.
If you gave your friend consent to use the vehicle, she could transfer that consent to anyone else. As long as the driver reasonably believed that they had permission your insurance is still in full force and effect.
The specific circumstance of the accident will determine fault. If the operator was at-fault, your rates may well go up. Ditto if you're in a no-gault state. If the operator was not at-fault, your rates should not go up assuming that your insurance company successfully recovers from the at-fault party or their insurance company.
2007-06-02 07:24:21 · answer #4 · answered by Bostonian In MO 7 · 0⤊ 0⤋
Insurance follows the vehicle.. so unless you want to report the vehicle as stolen to the police... you are implying that person had permission to use your vehicle.
Your insurance will pay for damages to the other car (as well as you own if you have collision) your rates may or may not go up- the only person who can tell you that is your company.
2007-06-02 06:42:06 · answer #5 · answered by Anonymous · 1⤊ 0⤋
your rates are going up. if you have collision on your car your insurance should cover the damage, less the deductible. your friend had some nerve letting someone else drive your car. Your friend and the person who was driving should cover all your costs associated with the accident. Maybe we will see you on Judge Judy
2007-06-02 06:19:11 · answer #6 · answered by Anonymous · 0⤊ 0⤋
in simple english your rate of insurance will go up but the good news is that you car was covered by your insurance and your lucky no one on the road got hurt.
2007-06-02 08:00:55 · answer #7 · answered by lincolndriver97 2 · 0⤊ 0⤋
your insurance covers your car [ in most states] an accident...your rates will go up.
2007-06-02 06:17:31 · answer #8 · answered by Anonymous · 0⤊ 0⤋
get better friends that wont lend your car out.... or don't lend your car to friends.
it'll probably be worse than if you got into the accident. Your insured... the person driving wasnt.
2007-06-02 06:18:14 · answer #9 · answered by Anonymous · 0⤊ 1⤋
hi check this link its good
http://insurancess.notlong.com
.
2007-06-03 04:40:14 · answer #10 · answered by Anonymous · 0⤊ 1⤋