What are the consequences of insured motorist driving somone else's insured car in the event of an accident?

Question

Especially if the driver is totally at fault. How does insurance payout or claims play out involving two insurance companies; especially, if several persons are involved in the accident?.

Answer 1

First thing you need to know is if the insured car covers others driving it. Some cover anyone who drives it, some cover none and some cover persons over 25. The accident has to be investigated and the responsible person(s) insurance works out the details.

Answer 2

How insurance works varies by state.

In general - insurance follows the car. If the driver of the car is someone other than the owner - then the drivers policy comes in on an excess basis. That means -if the injuries and damages are so bad that the car policy does not have high enough limits to pay them - then the drivers policy comes in.

Answer 3

observe: i'm guessing this individual became utilising along with your premission, via fact in the event that they stole your vehicle it relatively is a distinctive component completely. yet you probably did no longer say stolen, so i'm assuming you enable them to stress. even even with the undeniable fact that somebody else became utilising, you had an accident. you are the owner, which skill you're legally in charge for any and all injury your vehicle reasons. once you enable that individual stress, you popular that duty. That individual likely became insured, actually. till they have been residing on your place and 'hidden' from the coverage employer or particularly excluded from being lined, your coverage conceal this accident purely such as you have been utilising. If the motive force became particularly excluded or a member of your important different and young infants which you probably did no longer enable the insurer understand approximately, then they are able to refuse to conceal the declare. the guy utilising isn't in charge for something extra effective than in spite of the fact that tickets he / she won from the police. each and all the wear and (optimistically no longer) court docket circumstances, although, are completely yours to handle, as is in spite of the fact that result this could have on your accident-unfastened score.

Answer 4

To make a long story short, you loan your car, you are also loaning your driving record. Insurance will follow the vehicle not the driver. Where I am from, only one policy can be charged (the insured vehicle) not both.