Does Insurance Follow the Car or the Driver in California?
There is no one answer to this interview ; however, in most cases, cable car insurance tends to follow the car it covers quite than the driver. If you let person else drive your car and they get in an accident, your policy company would likely be responsible for paying the claim, depending on the coverages in your policy .
What Happens When Someone Gets in an Accident in my Car?
If person borrows your cable car, they are, in a way, borrowing your cable car insurance american samoa well. This is the case if they ’ ra driving your car with license. People who drive your car with license as called permissive drivers. Whenever person is driving your car with your permission, your car indemnity will be primary. This means that if the permissive driver gets in an accident, your car insurance will cover the damage in much the lapp way as though you were driving it. Your liability coverage will pay for the damage of injuries they caused to person else, and your collision coverage would pay for the damage to your vehicle from the accident. however, there are some exceptions to this. Your insurance may not cover the damage from an accident of a permissive driver if they :
- Don’t have a driver’s license
- Drive under the influence of drugs or alcohol
Non-Permissive Use and Excluded Drivers
If person borrows your cable car without your license and causes an accident, then they would be liable for the wrong. however, non-permissive use can be hard to prove to your insurance supplier. If person is listed as an exclude driver on your policy, then they ’ re expressly excluded from your car insurance. This means that if that person drives your car, your policy will not cover any damage that takes place.
When Does Insurance Follow the Driver?
As we mentioned above, car policy typically follows the car, but this is not always the case. There are some cases where sealed types of coverages follow the driver. When a driver borrows a car and causes an accident, the car ’ south owner ’ sulfur cable car policy is the primary policy, but if the driver has their own insurance a well, then it will serve as the secondary coverage. then, if the damage caused exceeds the limits of the owner ’ s liability coverage, then the driver ’ s own indebtedness indemnity would cover the remainder of the costs. We recommend not lending your car to person who doesn ’ triiodothyronine have car indemnity of their own because if they cause an accident in your car, then you would be liable for the costs that exceed your coverage restrict.
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You should never assume your policy will cover the accident and any damage. For model, some policies don ’ thyroxine tied cover relatives living in your home, unless they are specifically named on your policy. other policies may provide coverage, but on a more limited basis. Everyone ’ sulfur policy is different, and you ’ ll have to look into it before assuming that it will cover sealed situations. In California, indemnity typically follows the car, however not all cases are the same .
If you ’ re plan to lend your car to a family extremity or friend, or borrow one from person else, remember that it ’ sulfur wise to review both of your indemnity policies first gear. The answer to whether indemnity follows the car or the driver international relations and security network ’ t going to be universally the same for every driver. american samoa long as a driver has the vehicle owner ’ s permission to operate the fomite, the owner ’ south policy will provide coverage no matter who the driver is. The vehicle owner ’ sulfur policy should cover injuries and property damage. Exceptions constantly exist, which is why it ’ south significant to go over them with an adept. We hope this blog helped you get a better understanding of this subject. If you want to learn more, feel free to contact Bonnici Law Group. Call us at ( 619 ) 259-5199 or click here to schedule a rid consultation .