Askew-glasses t1_iyd2etg wrote
Reply to comment by fatFire_TA in My 19yo nephew was at fault and uninsured in an auto accident. He received a bill for $54k from the opposing insurance company. by MyFreeAccount
Some insurance companies will refuse to cover an accident if the driver of the car isn't on their list. It depends on the policy you purchase.
>What else should drivers without a car or car insurance consider?
If you're a licensed driver who doesn't own a vehicle, you likely don't have a need for a long-term car insurance policy. But, what should you do if you need to temporarily borrow someone else's car? Here are some points to keep in mind:
The car owner's insurance policy may help provide coverage if you get into an accident.
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You may be responsible for certain types of damage, depending on the coverages the owner's car insurance policy includes. For instance, if their policy doesn't include collision coverage, you may have to pay for the repairs to their car if you cause an accident.
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>You may be responsible for costs that exceed the coverage limits on the owner's car insurance policy.
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>If you're planning to lend your car to a friend or family member, or borrow one from someone else, remember that it's a good idea to review both of your insurance policies first. Your insurance provider can also help answer any questions about your policy before you decide whether lending your car makes sense for you.
Coronator t1_iyd4yfy wrote
This is good information, however I’ve never seen a policy not cover liability in this case. They might night cover their own car, but if they carried insurance, there is no reason it shouldn’t cover the other vehicle (unless their liability limits were too low, which is certainly a possibility).
fatFire_TA t1_iye14u7 wrote
Exactly, the liability portion of an insurance policy should always follow the car as the *owner* of the car is liable no matter whom is driving.
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