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If someone not on my policy is driving my vehicle and has an accident is the claim covered?
Wiki User
∙ 14y ago
If your insurance policy has permissive use then another driver would be covered in your vehicle if they had an accident.
I don't know about other states but in California they should not be living with you and they can not be excluded from your policy. One more thing, they MUST have a valid license.
Wiki User
∙ 14y ago
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If someone is driving your vehicle which is covered with collision and has and accident and is at fault are you responsible for all damages and costs or will their insurance cover it?
== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.
Is your insurance liable if your vehicle wasn't involved in a fatal accident?
If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.
If your husband has his own insurance for his vehicle and you exclude him the insurance on your car will he be covered by his insurance if he was driving your car and had an accident?
You have to list the drivers covered to drive your car on the policy. If not he is not covered.
If you have auto insurance get into an accident while driving someone elses vehicle will you be covered by your insurance?
You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you are in, either one or both insurance companies is responsible.
Will a vehicle be covered in the event of an accident if the person driving is not the insured driver?
It could be, I would file a claim to make sure.
Are there policies or companies that cover anyone driving your vehicle?
If you have insurance on your car, and someone else is driving it, and has an accident your insurance rate will go up but it will cover the damages to the other persons vehicle.
Can someone with liability only on a company vehicle involved in a minor accident driving to their home file a claim?
What would you file a claim for? The vehicle is not yours and it's a minor accident with no injuries, so you have no loss.
Will your car be covered for a total loss if you are the passenger in the car and the driver gets into an accident and you have full coverage?
It will definetely be covered if the person had a drivers license and insurance on their own vehicle...but it should be covered as long as their vehicle was sitting when your vehicle was wrecked...but also since you were in the vehicle at the time of the accident it should be covered as long as they had a license
If you are driving someone else's car does your liability insurance pay repairs to the vehicle you are driving?
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
What does it mean when someone is excluded from an auto insurance policy?
By excluding a person from an auto insurance policy, you are stating that the "excluded" person will not drive the insured vehicle, and that you understand that the "excluded" person is not covered by your insurance in the case of any traffic violation (accident, ticket, etc.). It means there is no coverage available to the excluded person in the case of an accident while driving the said vehicle. There will be NO COVERAGE.
Who is responsible if a person left the scence of the accident and the car was registered under someone else?
The owner of the vehicle is responsible for whatever it does unless you can prove that someone else was driving.
If someone was driving your vehicle with your permission and was at fault in an accident will it go on your motor vehicle record that you were at fault?
While your insurance company only cares who pays the insurance policy, the DMV doesn't care who owns the car. The driver who causes the accident will have it show up on his/her driving record (if there was a ticket issued).
