2007-08-21 07:54:09 · 10 answers · asked by Cesar M 1 in Cars & Transportation ➔ Insurance & Registration
if a friend lets me borrow their car and i end up getting hit by another driver ,am i covered by my friends insurance evn thou im not on the policy??
2007-08-21 07:56:15 · update #1
depends on the state you live in . Here in florida that is a big no no . I never let anyone drive my car except my husband . good luck .
2007-08-21 08:00:18 · answer #1 · answered by Kate T. 7 · 0⤊ 0⤋
Though other posts have mention the "Guest Driver" or "Part-time driver" clause that you might be covered under. You need to ask, as these are not always included automatically under a policy. Now, insurance regulations vary from state to state, but if you want to be absoultely sure that you have coverage, then make sure your personal insurance coverage has a rider that covers you driving a "borrowed" or rented auto.
2007-08-21 08:46:30 · answer #2 · answered by sfcjcl 5 · 0⤊ 0⤋
I actually asked my car insurance co,Geico,this earlier this week.I was told anyone that drives my vehicle as long as they are a licensed driver and were given my permission would be covered. Also if I were to drive someone else's vehicle their insurance should cover me but it differs from company to company. My old insurance company covered any licensed driver that didn't live in the house.Nobody that did and wasn't listed as a driver needing to be insured under the policy.
2007-08-21 08:35:20 · answer #3 · answered by sarah 2 · 0⤊ 0⤋
If they have full coverage, they have something called a "guest driver" policy. Basically, means if someone who is not excluded is driving the car and wrecks, they will cover it. If they don't have full coverage, they don't have the policy. It is not an advertised policy, but most if not all insurance companies have it.
2007-08-21 08:02:07 · answer #4 · answered by zanilth1984 4 · 0⤊ 0⤋
This changes from State to State and insurance companies. Would be best to check with the insurer. If you are not covered, he could be ticketed for allowing an uninsured driver to operate his vehicle.
2007-08-21 08:16:53 · answer #5 · answered by sensible_man 7 · 0⤊ 1⤋
Depends on how the policy is written. You MAY not be covered, which means, in case of an accident, your friend may be finacially responsible for damages, injury and death.
Very serious.
2007-08-21 08:02:28 · answer #6 · answered by Vince M 7 · 0⤊ 0⤋
If the other car hit you, it doesn't matter. The liability is with the other driver.
If it was your fault, your friend's insurance should cover it.
2007-08-21 08:02:36 · answer #7 · answered by no id 2 · 0⤊ 0⤋
Yes, if somebody gives you willing permission to use their car you are legally covered.
2007-08-21 08:44:49 · answer #8 · answered by ☆ღWifey Wifeyღ☆ 5 · 0⤊ 0⤋
IN 99% OF THESE CASES THE ANSWER WILL ALWAYS BE THE SAME,
NOOOOOOOOOOOOOOOOOOOOO.
2007-08-23 09:17:24 · answer #9 · answered by Anonymous · 0⤊ 0⤋
I would say no but i am not really sure.
2007-08-21 07:58:18 · answer #10 · answered by Anonymous · 0⤊ 0⤋