My daughter had a at fault accident in my car and now there is a claim on my insurance, will my rates go up?

Question

My daughter had a at fault accident in my car and now there is a claim on my insurance, will my rates go up?

Also she doesn't live with me and she isn't on my policy.

What about if I change companies since my record is perfect?

Answer 1

NO your rates will not go up. As long as she does not live with you and is not on your policy. The insurance company will obviously ask who she is and if she resides with you so you would need to prove that (copy of her Driver's license showing her address different than yours or a bill). If she did live with you, you would need to either add her or exclude her from your insurance. Its the same as though your friend borrowed your car. Your rates will not go up but on her insurance policy with whatever company she is with her rates will go up due to the driving record showing the accident which will be there for 3 years. Oh and by the way, the car owner's insurance is first to cover the accident so if you did not have insurance then your daughter's insurance would cover the accident or if your insurance was not enough to cover the accident as far as the liability goes then her insurance will pick up the rest. Good luck!

Answer 2

1

Answer 3

Your record isn't perfect, there is now a claim against your vehicle and your insurance. If she had your permission to use your car, your insurance covered her. Whether she lives with you or is on your policy or not. Insurance goes with the vehicle, not with the driver. Yes, it's possible, depending on other factors, that your rates will raise as a result of this.

Answer 4

Yep the insurance industry will get ya ever way they can. had a 17 year old step son, total my van 3 days after getting his liscense. He moved out when he decided he had life all figured out. This was 3 years ago & even though he is off my insurance & not even in this state my rates are still higher because of him & I have a perfect driving record, not one accident or ticket. Make me so mad I could spit nails, but nothing I can do about it.

Answer 5

Most likely yes your car insurance will go up. Just an advice never let anybody use your car unless their in your insurance. If they get caught the one that's going to get in trouble is you. I hope that your daughter is doing well that nothing bad has happened to her. Take care sweety and god bless and remember this advice before somebody else reminds you.

Answer 6

Depends. If your daughter is under the same insurance company they might just raise her rates. Discuss it with your insurance company.

Answer 7

The police document places you contained in the sparkling. The passenger is basically attempting it on. Your coverage business enterprise will tell them the place to flow. If the passenger has a declare that's against the different driving force for inflicting the twist of fate. a real mistake does not characterize risky utilising. you could desire to understand the adaptation between different varieties of undesirable utilising. What she did could be 'utilising devoid of due care and interest'. risky utilising is the main intense classification and is for somebody swerving out and in of site visitors at 60mph in a 30 zone.

Answer 8

Obviously yes, your insurance rates will increase, but there is no telling how long it might stay at that rate.

Answer 9

Probably -- unless the claim can be laid against her policy, in which case her rates will go up.

Answer 10

Yea, it defintley will. Your insurance now has no idea who you let drive your car or what kind of driving record they have. You've moved yourself into a higher risk field.
Sorry dude.