@John: For the most part, insurance follows the vehicle . You'll want to check with your insurer to make sure there aren't any exclusions with your friend driving the vehicle. It's possible you'll be financially responsible for an accident — even if someone else is driving your car. In most states, the car insurance policy covering the vehicle is considered the primary insurance, which means that the insurance company for the vehicle must pay for damages caused by an accident.
Why? If the vehicle's insurance limits are too low and don't cover all the damages, the driver's insurance may be next in line to pay for the remainder of the damages. We offer insurance by phone, online and through independent agents does auto insurance cover the car or the driver. Rates for policies sold through agents and brokers are available, and can also be retrieved, through ProgressiveAgent.com or via the Find a Local Agent button. As you're watching the Academy Awards this Sunday night (2/28), please pause to recognize some of th insurance auto auction san diego..
While an "insured vehicle" may include a friend's or neighbor's vehicle or a rental car, if the vehicle was available for regular use, it might be excluded quick car insurance quotes alberta. A "replacement" vehicle will probably be covered, but in some cases only under circumstances where the insured's vehicle cannot be operated for some specific reason, such as a repair. Coverage might not follow anyone if the insured is driving a vehicle other than a "private passenger vehicle not owned and listed on the insured's policy." There really is no such thing as a standard auto policy anymore and coverage for non-owned autos will be different under some policies and non-existent under others. Commercial Auto Business Travel Pet Mechanical Repair ID Theft car insurance nj cheap.
Updated yearly, this interactive tool shows you average rates for over 750 2013 model vehicles. You are here: Car Insurance Coverage: Does it follow the car or the driver? quote me cheap car insurance. questions for the facts on why you need car insurance, the types of cover, excesses and more. See the highest ranked carriers in customer service, claims processing, value, and other criteria.
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Additionally, his coverage might have to step in if the limits of your policy have already been reached. If Drew gets into an accident and isn't at fault, you won't have to worry about your insurance taking a hit. Generally, you can file a claim with the at-fault party's insurance, skip paying the deductible, and get coverage for any damages to your vehicle. If Drew happens to be an uninsured driver and causes an accident, you could be liable for all of the damages.Due to a provision in your car insurance policy called an "omnibus clause," your insurance will cover any driver, family member who lives with you, and even your dependent children away at school, so long as they have your permission to drive your vehicle. If your car's taken without your consent, you won't be held accountable for any damages. For instance, if a thief takes your car for a joyride and crashes it into a parked BMW 740i, you won't be liable for any damage to the BMW. However, you'll most likely have to use your insurance to cover any damages to your vehicle.
If your friend doesn't have insurance, you're out of luck. In most circumstances, you'll have to use your own car insurance to cover the accident. One thing to note: unless it's clear that you expressly deny permission, most car insurance companies will usually assume that your friend, visiting relative, or family member residing with you has your permission to drive your vehicle. So, if an accident were to occur, chances are you'll still be liable for damages, even if you didn't personally or verbally hand over the keys.In general, car insurance companies may ask you to exclude certain drivers — say, someone with numerous accidents or DUIs — from your policy to protect them from added risk. Or you may decide to exclude a family member, such as a young teenage driver or a spouse with a less-than-stellar driving record and his or her own insurance, to save on your premium. If an excluded driver takes your vehicle for a spin, with or without your permission, your car insurance will probably not cover the accident if one occurs. Though state laws differ, the following generally applies: If an excluded driver borrows the car with your permission and an accident happens, both you and the driver will be personally responsible for any damages caused. If an excluded driver takes off with your wheels without your permission and gets into an accident, depending on your state's laws, you might not be held liable if an incident occurs. That is, if the injured party's insurance limits have already been reached to cover the accident, he or she could take both of you to court to recover any remaining expenses. As you can see, excluding a driver to save a few bucks could potentially cost you in the long run. To make sure that you have maximum coverage under all circumstances, consider listing all family members living with you on your policy. If you're an Esurance policyholder, note that all members of your household with access to your vehicle must be listed on your policy.
If you have questions about this (or anything else), call us anytime at Check your policy or contact your insurer to get the specifics on the terms, conditions, and any restrictions. Make sure that your friend has a valid drivers license. It's also wise to double check whether or not your friend has car insurance. (After all, you don't want to be liable in case an accident occurs.