If I lend my car to an uninsured driver and they get into an accident, will my insurance rates go up and also who is responsible for the damages?
Total Comments: 13
Posted: Mon Nov 24, 2008 04:31 pm Post Subject:
If I lend my car to an uninsured driver and they get into an accident, will my insurance rates go up
Yes, if they were at fault, and maybe even if they were not (losing accident/claims free discount if any)
and also who is responsible for the damages?
You or your vehicles policy would be your friend becomes an insured driver once you give them permission to drive your vehicle. You and your policy then assume all responsibility for their, (the vehicles) actions...
Posted: Mon Nov 24, 2008 05:00 pm Post Subject:
Unfortunately for you Lori is correct. This is why I don't let people borrow my car. Be glad the person you let lend your car is not an excluded driver.
Posted: Mon Nov 24, 2008 10:10 pm Post Subject: insurance
I'm with you, on this one, SLAPPY. I don't let people barrow my car, either. I don't care WHO they are. If someone needs a ride, and I have the time to drive them, then I will drive them. There is a neighbor that lives in my apt complex. They don't have a car, SOOO..they don't have car insurance. However, she does have a Drivers License. STILL.............it's not gonna happen. She gets irritated sometimes, at me. But.....this is my ONLY source of transportation..ya know??
Posted: Tue Nov 25, 2008 01:01 am Post Subject:
I am joining the band wagon on this one. I really agree. My husband did this recently and almost ended up in divorce court!! He felt bad for some young kid and lent him our old truck...in the end he finally got my point on all the reasons that this was a totally absurd thing to do...
Posted: Tue Nov 25, 2008 02:24 am Post Subject: insurance
Oh my goodness, FIREYONE!! "Divorce Court?" Yea...I guess I would be mad, too. I DO 'feel for those', in my small 'neck of the woods', who don't have a vehicle. But.....a majority of them can't drive because of Legal issues. Which, I may add, isn't MY fault, either. I'm sorry if they think it's everyone else's fault because they can't do "this or that."
Posted: Tue Nov 25, 2008 06:19 am Post Subject:
IMO its always unwise to lend the car to someone, especially to someone without coverage. No wonder firey got all worked-up :wink:
OP, try to decline the uninsured driver, he may be your good friend, but this will be for your own good. If he cause damage to another driver, you will be held responsible for the damages, in addition to the penalties depending upon your state laws.
Posted: Tue Nov 25, 2008 11:35 am Post Subject:
OP, try to decline the uninsured driver
or fully accept the responsiblity with the knowledge that if they wreck your car it's YOUR problem...end of story...i only loan a car very seldom and then only to the kids if theirs is in the shop or something with the CLEAR understanding you wreck it you pay the 500 deduct AND the increase in premiums for however long it's' there...
in the end he finally got my point on all the reasons that this was a totally absurd thing to do...
Funny how stealing the trucks out from under him while he's working will do that ! :shock: :lol: :lol: "girl you so craaaaaaaazy" :wink: :lol:
Posted: Tue Nov 25, 2008 11:46 am Post Subject:
Lori,,, He did ask for it!!!! I could not find any other way to prove a point and make myself feel better. LOL. I am really easy going up until I get mad.
I only lend on the same basis and to VERY few people. There is two given rules that apply in my family and they are known without even speaking them out loud.
1. You break it...you fix it...
2. You wreck it...you bought it...
Posted: Tue Nov 25, 2008 12:13 pm Post Subject:
I am really easy going up until I get mad.
Me too...my husband says my nostrils flare like a bull, and he knows someone's gonna get it... :lol:
most people (unfortunately) don't realize the financial jeopardy they place themselves in when lending a vehicle...course your husband does (now) :wink:
Posted: Tue Nov 25, 2008 01:08 pm Post Subject:
.
.
.
sdchargersfan,
""I'm with you, on this one, SLAPPY. I don't let people barrow my car, either. I don't care WHO they are. If someone needs a ride, and I have the time to drive them, then I will drive them. There is a neighbor that lives in my apt complex. They don't have a car, SOOO..they don't have car insurance. However, she does have a Drivers License. STILL.............it's not gonna happen. She gets irritated sometimes, at me. But.....this is my ONLY source of transportation..ya know??""
The next time your neighbor wants to borrow your car tell her that if she is involved in an accident it could likely cost you an Premium increase for 3 consecutive years and definitely your Deductible amount of $500.oo [or whatever it is]
So lets see... Three years at $300.oo per year equals $900.oo plus the deductible of $500.oo comes to a total of $1400.oo.(minimum)
If she can and will hand you an Cash Deposit of $1400.oo you will *consider* letting her borrow your car.
If she won't or can't pay the deposit while she wants to borrow your car.... How can you trust her to Pony-up after the crash..?? When she doesn't need your car anymore..!
Oh... also the IRS calculates that the average auto costs xx Cents per mile to operate in the USA. So we will note the mileage when you take the car and again when its returned. This amount will be deducted from you deposit after the car is return in the same condition as it left.
Posted: Mon Nov 24, 2008 04:31 pm Post Subject:
If I lend my car to an uninsured driver and they get into an accident, will my insurance rates go up
Yes, if they were at fault, and maybe even if they were not (losing accident/claims free discount if any)and also who is responsible for the damages?
You or your vehicles policy would be your friend becomes an insured driver once you give them permission to drive your vehicle. You and your policy then assume all responsibility for their, (the vehicles) actions...Posted: Mon Nov 24, 2008 05:00 pm Post Subject:
Unfortunately for you Lori is correct. This is why I don't let people borrow my car. Be glad the person you let lend your car is not an excluded driver.
Posted: Mon Nov 24, 2008 10:10 pm Post Subject: insurance
I'm with you, on this one, SLAPPY. I don't let people barrow my car, either. I don't care WHO they are. If someone needs a ride, and I have the time to drive them, then I will drive them. There is a neighbor that lives in my apt complex. They don't have a car, SOOO..they don't have car insurance. However, she does have a Drivers License. STILL.............it's not gonna happen. She gets irritated sometimes, at me. But.....this is my ONLY source of transportation..ya know??
Posted: Tue Nov 25, 2008 01:01 am Post Subject:
I am joining the band wagon on this one. I really agree. My husband did this recently and almost ended up in divorce court!! He felt bad for some young kid and lent him our old truck...in the end he finally got my point on all the reasons that this was a totally absurd thing to do...
Posted: Tue Nov 25, 2008 02:24 am Post Subject: insurance
Oh my goodness, FIREYONE!! "Divorce Court?" Yea...I guess I would be mad, too. I DO 'feel for those', in my small 'neck of the woods', who don't have a vehicle. But.....a majority of them can't drive because of Legal issues. Which, I may add, isn't MY fault, either. I'm sorry if they think it's everyone else's fault because they can't do "this or that."
Posted: Tue Nov 25, 2008 06:19 am Post Subject:
IMO its always unwise to lend the car to someone, especially to someone without coverage. No wonder firey got all worked-up :wink:
OP, try to decline the uninsured driver, he may be your good friend, but this will be for your own good. If he cause damage to another driver, you will be held responsible for the damages, in addition to the penalties depending upon your state laws.
Posted: Tue Nov 25, 2008 11:35 am Post Subject:
OP, try to decline the uninsured driver
or fully accept the responsiblity with the knowledge that if they wreck your car it's YOUR problem...end of story...i only loan a car very seldom and then only to the kids if theirs is in the shop or something with the CLEAR understanding you wreck it you pay the 500 deduct AND the increase in premiums for however long it's' there...in the end he finally got my point on all the reasons that this was a totally absurd thing to do...
Funny how stealing the trucks out from under him while he's working will do that ! :shock: :lol: :lol: "girl you so craaaaaaaazy" :wink: :lol:Posted: Tue Nov 25, 2008 11:46 am Post Subject:
Lori,,, He did ask for it!!!! I could not find any other way to prove a point and make myself feel better. LOL. I am really easy going up until I get mad.
I only lend on the same basis and to VERY few people. There is two given rules that apply in my family and they are known without even speaking them out loud.
1. You break it...you fix it...
2. You wreck it...you bought it...
Posted: Tue Nov 25, 2008 12:13 pm Post Subject:
I am really easy going up until I get mad.
Me too...my husband says my nostrils flare like a bull, and he knows someone's gonna get it... :lol:
most people (unfortunately) don't realize the financial jeopardy they place themselves in when lending a vehicle...course your husband does (now) :wink:
Posted: Tue Nov 25, 2008 01:08 pm Post Subject:
.
.
.
sdchargersfan,
""I'm with you, on this one, SLAPPY. I don't let people barrow my car, either. I don't care WHO they are. If someone needs a ride, and I have the time to drive them, then I will drive them. There is a neighbor that lives in my apt complex. They don't have a car, SOOO..they don't have car insurance. However, she does have a Drivers License. STILL.............it's not gonna happen. She gets irritated sometimes, at me. But.....this is my ONLY source of transportation..ya know??""
The next time your neighbor wants to borrow your car tell her that if she is involved in an accident it could likely cost you an Premium increase for 3 consecutive years and definitely your Deductible amount of $500.oo [or whatever it is]
So lets see... Three years at $300.oo per year equals $900.oo plus the deductible of $500.oo comes to a total of $1400.oo.(minimum)
If she can and will hand you an Cash Deposit of $1400.oo you will *consider* letting her borrow your car.
If she won't or can't pay the deposit while she wants to borrow your car.... How can you trust her to Pony-up after the crash..?? When she doesn't need your car anymore..!
Oh... also the IRS calculates that the average auto costs xx Cents per mile to operate in the USA. So we will note the mileage when you take the car and again when its returned. This amount will be deducted from you deposit after the car is return in the same condition as it left.
FK,
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