My Friend Crashed My Car: Am I Covered? | https://insurecar.info

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Let ’ s face it ; unless you live entirely and have no friends or family living near you, an individual not listed on your policy policy will credibly drive your car at some point .
The think of an accident is probably the furthest thing from your heed when you hand over the keys. unfortunately, these promptly trips result in accidents thousands of times a class .
If you ’ re read this, possibly the worst-case scenario has already occurred. The effective news is that you ’ re credibly covered, assuming you ’ ve got car insurance .
Your car insurance coverage should cover anyone else driving your car. sol if you borrow your car to a supporter, sister, or another relative, your cable car indemnity will pay in the event of an accident .
[ You might not be covered if you have a Broad kind policy. ]

are people who drive your car covered on your indemnity policy ?

Of class, as with any type of accident, claim payment will depend on the character of coverage you chose when you purchased your car policy policy, deoxyadenosine monophosphate well as a few early factors .
First things first, about anyone who drives your cable car is covered under your insurance policy .
An person does not need to be listed on your policy to be covered. A estimable room to remember this fact is to understand that indemnity coverage “ follows the vehicle. ”
basically, this means that any vehicle that is listed on any policy policy is “ covered ” by the policy, regardless of who is driving at the time of the accident .
As alluded to above, this may not be the case if you purchased a Broad form policy, indeed be indisputable you know the distinction .
This means that even if your supporter has the best cable car insurance coverage, your car policy would normally be covering the damages if they were in an at-fault accident while driving your vehicle.

Whether car insurance will cover an accident if person else is driving normally depends on the specific coverage, indeed reach certain to check with your indemnity agent to find out if your policy covers other drivers .
In some cases, it doesn ’ t matter if your acquaintance has their own car indemnity because they could be apt for any personal indebtedness and medical costs .

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What if my supporter has their own insurance ?

The coverage on any particular vehicle that causes an accident is considered “ primary ” coverage .
This means the insurance company and coverage limits associated with that policy are the first gear to respond to any claims for bodily injury and/or property wrong resulting from the accident .
Any insurance your friend has is considered secondary coverage, meaning if your policy liability limits are exhausted as a solution of the accident, their policy would likely cover the excess damages .
It ’ s worth pointing out that the elementary insurance holder should expect their insurance premium to go up as a result, assuming they ’ re the at-fault party .
sol gain certain you ’ re careful about letting others drive your car !
[ Will my rates go up if I file a title ? ]

When am I not covered if my friend crashes my car ?

There are a few exceptions to the rule about indemnity following the vehicle. The person drive your car must not have been specifically excluded for coverage under your policy .
exclude drivers can range from family members above 15 years of long time who aren ’ thymine licensed yet, to a parent who has a drive phonograph record that results in an exorbitant premium. So not inevitably equitable a acquaintance .
But if your acquaintance lives with you and/or has regular access to your vehicle and international relations and security network ’ deoxythymidine monophosphate listed on your policy or specifically excluded, you ’ ve got a problem if he/she causes an accident while driving your car .
Whatever the reason for the excommunication, you ’ re basically telling the indemnity company you do not want the person covered because you don ’ metric ton want to pay extra money to insure them on your policy .
Another caveat regarding coverage for individuals not listed on a policy states that a driver must NOT have regular use of the vehicle.

This is a policy condition that protects the insurance company from writing policies and potentially paying policy claims for drivers that are intentionally not named as a mean to keep premiums down .
For model, if you have a roommate with three DUI ’ s who regularly drives your car, he or she needs to be listed on the policy and a ( higher ) premium must be paid .
Or they must be excluded if you don ’ t want to pay the extra premium for listing him or her as a driver .