My wife is employed with the local school system. She drives a car that is part of the system's fleet of vehicles to and from work every day. This afternoon she bumped another car in a restaurant parking lot. Nobody was around, so she left a note on the other car's windshield.
I asked her if her employer was going to be angry with her, and she said that her employer told her that her company car would be covered under our own insurance. I'm not arguing about paying for the damage she caused, what I am thinking about is the larger picture.
My concern is this. For example: If I allowed someone to borrow MY own car, and they hit somebody in it, who would have to pay? Me, the person who owns the car that did the hitting, or him, the person who was driving my car?
2007-10-17 11:27:30 · 13 answers · asked by Mooch 4 in Cars & Transportation ➔ Insurance & Registration
Good question Star for you!
Rule #1 Not all insurance companies insure non-named drivers. Meaning if they are not on the policy, they are not insured. Most standard insurance companies will cover other drivers as long as you gave them permission and they are not using it for business.
Assuming you have a Standard Insurance Provider...
The law varies from state to state. Ask your insurance agent about your state. In my state, if the driver and the owner both have their own insurance, the two policies will split the liability part of the claim until one of the polices is exhausted. Then the remaining policy will pick up the rest of the unpaid damages until it to is exhausted.
I do know some states follow the idea of the driver's insurance paying until it is exhausted then the owner's insurance kicks in. So you'd better call your agent!
2007-10-17 12:20:28 · answer #1 · answered by Nate W 5 · 3⤊ 0⤋
It depends on what state you live in.
I live in michigan and we are a "no fault" state. Which means that the people involved in an accident are responsible for paying for their own damages/repairs that are not covered by their insurance. It doesnt matter who's fault it is, or if the other driver has or doesnt have insurance. THe person who caused the accident will be ticketed, but are in no way responsible for payments to repair your vehicle. Now if someone was driving your car and wasnt on your insurance policy here in michigan, you'd still have to pay your own damages and your insurance provider will have certain actions taken. You'll have to check your states laws and your insurance policy's rules.
2007-10-17 11:40:32 · answer #2 · answered by .Jules. 3 · 0⤊ 0⤋
Some companies require you to take out a $100,000 dollar deductible on your own insurance for collision upon hiring if you are required to drive for your company. They should be the one's paying for the accident, you have to pay the deductible. This is also if you let somebody else drive your car and they get into an accident. Now if you do not have any insurance at all, you are up a creek without a paddle.
2007-10-17 11:32:59 · answer #3 · answered by Angelheart♥ 5 · 0⤊ 0⤋
Yes, go see a PI atty right away. In some states, maybe yours, the Workers' Comp. commission/agency/dept (whatever) maintains a fund for workers who are hurt while working for non-subscribers. So you may not have to sue your employer. However, you may wind up having to do so. Ask the atty what retaliation protection you have against him. Also, your atty should demand medpay immediately from his insurance. It is paid without fault, normally is a fairly low cap, but still something. ** Note: This is a general discussion of the subject matter of your question and not legal advice. Local laws or your particular situation may change the general rules. For a specific answer to your question you should consult legal counsel with whom you can discuss all the facts of your case. Answering this question does not indicate an attorney-client relationship. **
2016-05-23 05:37:15 · answer #4 · answered by ? 3 · 0⤊ 0⤋
if its the school systems car, they are required to have insurance, their insurance should be responsible for paying for the damages. I know where I work, one of the guys hit someone in our company vehicle and our company insurance was responsible for paying, not the employee. I guess it depends on if the employer wants to push the issue of the employee paying. To me, it seems the employer should pay.
2007-10-17 11:43:39 · answer #5 · answered by Baby #2 due June 29, 2010! 5 · 1⤊ 0⤋
In your example, if you let someone borrow Your car and they hit someone, your insurance would cover it most likely...So it sounds like its still going to be your wifes policy since her employer does not carry auto insurance for the car she was driving... Also, I agree with the other poster, her employer SHOULD have a policy for all there drivers, have her check again, they may not want to let her know....
2007-10-17 11:32:56 · answer #6 · answered by Thallasa35 2 · 1⤊ 0⤋
It depends on your insurance.
If your insurance covers anyone you let drive your car, then it's okay, insurance and the driver will take care of it. But if not, you are required to pay for any and all damages.
2007-10-17 11:35:52 · answer #7 · answered by karmaa 3 · 0⤊ 0⤋
your insurance should cover anyone who drives your car, if it doesn't the person driving would get the ticket for the accident but since its your car you may have to pay up. You could be sued because its your car if no one pays for damages.
2007-10-17 11:32:09 · answer #8 · answered by whata waste 7 · 1⤊ 0⤋
If the car was insured then they have to pay, if not then your wife, but also if the car was insured, they might go after your wife for the deductible. but also depends in the law of your state.
2007-10-17 11:34:52 · answer #9 · answered by Torero 5 · 0⤊ 0⤋
If you watch People's court usually it's the driver that is responsablr but, if the driver isn't insured it ulitmatly comes back on the owner. That is my understanding but, i'm no lawyer!
2007-10-17 12:10:55 · answer #10 · answered by Fireman T 6 · 1⤊ 0⤋