ok iM already stressed so i would appreciate only serious answers please! thanks!!
a couple of days ago my dad tried to add me to his insurance plan but we were just waiting for me to get approved or something like that iM not really sure what was going on but any ways this morning i got into AN ACCIDENT!!! & im not sure if i was covered yet!!! my cars totaled so i really dont care for trying to fix it, what iM worried about is the other guys car damage! i gave the guy my information & MY DADS car insurance [bkus its my dads car that i was driving], & this progressive agent from my dads insurance called me [but i wasnt there to get the call] SOO basically my question is will my dads car insurance cover the guys damage even tho my dad wasnt in his car with me??? What should i do?? What should i say to the insurance agent??
sheez iM just stressed out of my mind!
2007-12-27 10:54:47 · 12 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
I asked my insurance that same question. Your dads insurance covers any licensed driver. It's the same for all insurance. Every licensed driver (even without a car) have to be insured. If not when they get into a crash they have to pay the premium up to the date of the crash. So if you just got your license you're fine.
The other car occupants can still sue you if they're cold hearted.
2007-12-27 11:47:08 · answer #1 · answered by Ashly 2 · 0⤊ 0⤋
Call the adjuster and speak with them about what happened. It will really depend the language in the policy and how often you drive your dad's car. With out knowing more - I can't give you a definite answer.
2007-12-27 21:03:58 · answer #2 · answered by Boots 7 · 0⤊ 0⤋
does your dad have really good coverage that includes whoever is driving his car? some policies have it where it covers the car and whoever is driving. i am not sure what his policy reads, does he have full coverage? if so, then i am assuming that it will cover at least the other guy. you need to find out what kind of insurance your dad has on his car.
2007-12-27 19:05:05 · answer #3 · answered by peanutran 2 · 0⤊ 1⤋
Calm down and call your Dad.The insurance agent will also know,I would imagine.Let your Dad handle the insurance agent.Try to relax. Good luck!!
2007-12-27 19:06:09 · answer #4 · answered by ponygirl 6 · 0⤊ 0⤋
if you had a small insurance company... id tell you you may be screwed.
However, i know from experience Progressive rarely denies claims and you just need to be truthful (because if you dont.. your committing insurance fraud) and you should be fine.
yes, you should have been on the policy and you will now be added... but... progressive is very lenient abuot these things.. so dont freak out.
2007-12-27 19:18:03 · answer #5 · answered by la428282 6 · 0⤊ 0⤋
I'm not sure where you're living, but in England, insurance cover is usually immediate, so you should be covered, so long as your dad put you on his policy before the crash.
2007-12-27 19:03:39 · answer #6 · answered by Nick J 2 · 0⤊ 1⤋
Sweetheart, no one here can help, and I am being dead serious. Except for mine, what you will get here are a bunch of smartass answers and guesses. You need to talk to YOUR insurance company immediately.
2007-12-27 19:05:25 · answer #7 · answered by Me again 6 · 2⤊ 0⤋
Your dad wasn't in his car with you? Try making sense then I''ll give you a serious answer.
2007-12-27 19:57:19 · answer #8 · answered by Anonymous · 0⤊ 1⤋
If it was your dad's car you have nothing to worry about, as it was already covered.
2007-12-27 19:02:59 · answer #9 · answered by ŠתּἇʀʅʏȻħȁɾɭɏ44 5 · 0⤊ 1⤋
Going to give you some good advice , go to marrow to M.C. DEE,S GET A JOB SAVE YOUR MONEY YOU ARE GOING TO NEED IT IF YOU ARE COVERED OR YOUR DAD INS PAY,S YOU ARE GOING TO SUFFER FOR ABOUT THREE YEAR,S been there done that.
2007-12-27 19:22:51 · answer #10 · answered by BOB 3 · 0⤊ 0⤋