is it the car or the person must have insurance?

Question

I was layed off my job and could not pay my auto insurance i did not drive however my girlfriend whom we live together has insurance that covers her on any vehical she drives the car. on thanksgiving 2 wks after my ins expired my girl was visiting family the car was parked and un occupied a lady backed into it she said her deductable was 1000 so get a est and she will pay we made police report the est was 1500 she said she cant afford and contacted her ins. they called me and are acting as if because i was not insured they dont have to pay for repair and the are not retuning my calls she admited to the police she did it

Answer 1

Her is the deal, If it is registered and on the street then it has to be insured (the car). you can however get insurance on it for non driving purposes. Some companies call it Storage insurance. This covers the car but not while it is being driven.

With your girlfriend driving it under her insurance she would be covered to drive it under her insurance as long as it was registered and with the storage insurance it would be covered while it was parked.

Some states might not offer this insurance so you would need to check with your insurance agent to see if they do. But it would be a short term solution to your problem if they do.

The storage insurance is very cheap since it only covers a few areas of responsability like Theft, Vandalism and things like that and doesnt have to cover driving incidents.

Also it does not matter if you are insured or not if she is at fault her insurance has to pay.

You are most likley going to get a ticket for having an unisured vehichle on the street for this incident

Answer 2

You might have other issues having an uninsured car on the street, but if she is at fault (and she is), her insurance is liable for her actions, not yours.

Be a good negotiator by knowing your rights.

Then get your insurance fixed or put your car in the driveway and keep it there.

And yes, the car need insurance, not the driver. covered drivers are listed on the policy.

I am highly skeptical your gf's insurance covers her for "any car she drives" - what would be the point if a standard policy covers incidental drivers, which they do?

More likely what her policy covers is when she drives a rental car, or maybe provides additional coverage should your coverage be insufficient. But in that case, it wouldn't kick in until your insurance has paid a certain amount.

If you think her insurance covers your car in this case, then call her insurance company and as. I am sure they will explain it to you.

Sorry for the mixed answer, but you should be able to collect on the accident from the other driver's insurance.

Answer 3

Usually insurance covers the car. However, some policies are written in a way that only certain drivers are covered under the policy. In this case, her insurance company is responsible for paying the damages to your car. Since neither of you were driving, they don't have a leg to stand on. If her insurance does not pay up, get the repairs done and take the other driver to civil court to get the amount you had to spend to repair your car back.

Answer 4

It's the car, however, some people are covered on any car that they drive. Her insurance should cover it but only if she's driving. That is the way it works.

Edit: I am from MN. We have had the same insurance company for almost 20 years, so we have pretty good people. If I was driving ANY car (insured or uninsured), my insurance would cover me. They would also cover anyone driving my vehicle provided they were a licensed driver, anyway.

Answer 5

I suggest you to try this website where onel can get rates from different companies: http://insure-cheap.info/index.html?src=2YAxvhcfXG62

RE :Is it the car or the person must have insurance?
I was layed off my job and could not pay my auto insurance i did not drive however my girlfriend whom we live together has insurance that covers her on any vehical she drives the car. on thanksgiving 2 wks after my ins expired my girl was visiting family the car was parked and un occupied a lady backed into it she said her deductable was 1000 so get a est and she will pay we made police report the est was 1500 she said she cant afford and contacted her ins. they called me and are acting as if because i was not insured they dont have to pay for repair and the are not retuning my calls she admited to the police she did it
Follow 15 answers

Answer 6

This is a tricky one.
Her insurance would have paid if you had insurance.
you are not allowed to have your car on the road if it is not insured, period.
Since the car is uninsured and under your name you are liable. You can however sue the person who hit your car for the money right out. Since the car was parked and not occupied the lady should have to pay for the damage. File a claim at the court house.
But her insurance does not have to pay since you were not insured.... its a catch 20/20.

Answer 7

Depends on State law. "Most" States the insurance follows the driver, but some - especially no-fault states - it follows the car.

In any event, your car wasn't being driven when it was hit so the issue of 'your' insurance is totally irrelevant. Sue the other driver in small claims court, and she can deal with her insurance.

Richard

Answer 8

I am pretty sure that you must insure the car - I have never heard of an insurance that allows you to drive "any vehicle" and call it insured. A point of note is that the car was parked and unoccupied....therefore even if she was "insured to drive any vehicle"....she wasn't driving it. All it was was your uninsured car at that point.

I think your girlfriend might misunderstand the type of insurance she has.

Answer 9

The insurance follows the car, not the driver.

Answer 10

I recommend you this site to get quotes - COVERCOMPARE.INFO-

RE Is it the car or the person must have insurance?

I was layed off my job and could not pay my auto insurance i did not drive however my girlfriend whom we live together has insurance that covers her on any vehical she drives the car. ...show more