A friend of mine who is away at school with me (200 miles from home) said he gets reduced insurance because he is away at school without a car. However, he is always driving his girlfriends car. He claims that its OK for him to do this.
This sounds a little fishy to me. He is getting the discount because his insurance company thinks he isn't driving, right? If he wrecks his girlfriends car is he covered? I am worried about being in the car with him. I don't want anything defaulted onto my insurance in the case of an accident if its just him and I in the girlfriend's car.
Let me know what you guys think!
2007-10-25 03:43:16 · 13 answers · asked by fairforawl 1 in Cars & Transportation ➔ Insurance & Registration
Technically as long as the girl friend has given him permission to drive her car, he is covered under her policy. She will bear the problems of a car accident if he gets into one though. Meaning if he gets into an accident with her car, her insurance rates will go up. (Unless of course her policy is specifically written to not allow her to loan her car out to another driver. Some policies are specifically written this way, but most are not)
If everything is done properly, she should place his name on her policy, but technically he is covered.
2007-10-25 03:48:21 · answer #1 · answered by hsueh010 7 · 0⤊ 0⤋
It depends on his insurance carrier. Most standard insurance providers will cover him if he drives someone else's car, and he very well could get a discount for living away from home and not having a car. So you have nothing to worry about.
The one who should be nervous is the girlfriend. If he drives the car as often as you say, he should really be added onto her policy.
2007-10-25 05:34:11 · answer #2 · answered by Nate W 5 · 0⤊ 0⤋
Bad situation.
Here's my personal situation. When my daughter went away to college, the ins co would not cover her unless her roommate had her own car.
The reasoning:who would be driving her car?. The potential was there for a roommate to borrow the car and get into an accident.
If the roommate had her own car, this risk was almost gone.
If your friend would be driving his girlfriend's car and the ins co found this out, they could say, "hey, I'm not insuring this guy!" You coverage is cancelled." And,please believe me, ins co's DO have ways offinding thesethings out.
All they'd have to do is have a rep drive on campus, look for her car and wait to see who gets behind the wheel.
Then,. surprise, ins is cancelled.Please stay out of a situation like this.
2007-10-25 06:30:35 · answer #3 · answered by TedEx 7 · 0⤊ 0⤋
It all depends on the insurance companies and he and the girlfriend use. If you are just a passenger in his girlfriends car, there is no way any you can be held responsible for any fault.
There are policies that offer coverage to "guest drivers" of your car. So maybe the girlfriend has that type of coverage.
Or maybe the friend of yours is getting a lower rate on his insurance because he swtiched his coverage to her car. That would explain a discount if her car is cheaper to insure than his own. Also his policy may offer coverage to other cars is he drives it.
There are many varibles and it all depends on the type over coverage either one of them are using.
2007-10-25 03:51:01 · answer #4 · answered by Niki 2 · 0⤊ 0⤋
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RE Car insurance away at college?
A friend of mine who is away at school with me (200 miles from home) said he gets reduced insurance because he is away at school without a car. However, he is always driving his ...show more
2014-09-10 06:54:53 · answer #5 · answered by ? 1 · 0⤊ 0⤋
Vehicles are insured, not people. His car is sitting there, so yes, it can have reduced coverage. As long as he's driving with his girlfriend's permission, he is covered under her insurance. One has nothing to do with the other.
He doesn't get reduced insurance because he isn't driving, he gets it because HIS car isn't being driven.
2007-10-25 04:07:03 · answer #6 · answered by oklatom 7 · 0⤊ 0⤋
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2015-01-19 18:35:02 · answer #7 · answered by ? 1 · 0⤊ 0⤋
I will make sure the girlfriend of his has a high 3rd party liability limit for being "covered" for himself, others in the car and cars he may hit. I believe his girlfriends insurance rate will go up (assuming the car is registered under her name) if it is his fault.
2007-10-25 04:41:20 · answer #8 · answered by theguy 2 · 0⤊ 0⤋
he gets a reduced rate becuase hes not driving his car. if he wrecks her car, HER insurance carrier has to deal with it. insurance follows the car, not the driver. i hope his girlfriend knows this
2007-10-25 04:39:10 · answer #9 · answered by Queen B 6 · 1⤊ 0⤋
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2016-03-22 09:46:21 · answer #10 · answered by Aurie 2 · 0⤊ 0⤋