I'm from Florida, but I'm planning to use a friend's car during my stay in Oklahoma. Do I need insurance to stay protected?
Total Comments: 9
Posted: Thu May 20, 2010 11:18 am Post Subject:
In general all drivers are covered if the vehicle is insured. Please ask your friend to go through his policy papers and check if things are like that.
Posted: Fri May 21, 2010 05:19 am Post Subject:
Segments of your personal auto insurance may cover you e.g. UM, liability, medical benefits coverage etc. Go through the terms of your policy as well as the exemptions.
Posted: Fri May 21, 2010 08:16 am Post Subject:
In general all drivers are covered if the vehicle is insured. Please ask your friend to go through his policy papers and check if things are like that.
Your friend specifically needs to see what happens to the liability limits. Some insurers reduce limits to state minimum when the vehicle is driven by an unnamed driver.
Your own auto policy covers you when you drive a
"non-owned" auto, and can be used to cover any claims for which you are insured.
Posted: Sat May 22, 2010 05:52 am Post Subject:
I don't think there would be any problem, if you're listed with your friend's carrier.
You may check the liability limit on your friend's policy, and also check out the other paper works as suggested.
Posted: Mon May 24, 2010 02:16 pm Post Subject:
Your safest bet is to have your friend call his/her agent and tell them that you will be using the car for some time. They will likely need to add you to their policy, once this is completed you should be all set.
Posted: Fri Jun 11, 2010 07:08 am Post Subject:
All depends upon your friend’s car insurance company and coverage; it would be a good idea for him to check directly with his insurance agent on whether he can drive with just permission or needs to be included in his friend’s policy short term. Which company are you insured with and what coverage do you carry? I’m with (link removed by mod-lori) so unless you’re with them too, what works for me might not work for you.
Posted: Fri Jun 11, 2010 11:05 am Post Subject:
TracyKelley,
I have removed your link from all the posts you have put it in..please read and adher to our terms of use, a PM has also been sent. Failure to do so may result in you being permanently banned from this site...
Feel free to contact me with any questions
Posted: Fri Jun 11, 2010 09:12 pm Post Subject:
I don't think there would be any problem, if you're listed with your friend's carrier
My best friend drove my car for quite sometime. She wasn't on my Insurance policy, however, she DID have Insurance of her own. She was driving my car because her car wasn't going to pass Inspection anymore and she was looking for another vehicle. My Insurance Co had said "she was fine", etc.
Posted: Mon Jun 14, 2010 03:44 am Post Subject:
My Insurance Co had said "she was fine", etc.
That's all well and good, but every carrier has its own method of dealing with this in the contracts it issues to its insureds. Your experience may not be that of anyone else's.
It is unwise for anyone to assume that their insurance works the same as a friend's or neighbor's -- even if obtained from the same insurance company -- for the purpose of giving or receiving advice such as this.
Posted: Thu May 20, 2010 11:18 am Post Subject:
In general all drivers are covered if the vehicle is insured. Please ask your friend to go through his policy papers and check if things are like that.
Posted: Fri May 21, 2010 05:19 am Post Subject:
Segments of your personal auto insurance may cover you e.g. UM, liability, medical benefits coverage etc. Go through the terms of your policy as well as the exemptions.
Posted: Fri May 21, 2010 08:16 am Post Subject:
In general all drivers are covered if the vehicle is insured. Please ask your friend to go through his policy papers and check if things are like that.
Your friend specifically needs to see what happens to the liability limits. Some insurers reduce limits to state minimum when the vehicle is driven by an unnamed driver.
Your own auto policy covers you when you drive a
"non-owned" auto, and can be used to cover any claims for which you are insured.
Posted: Sat May 22, 2010 05:52 am Post Subject:
I don't think there would be any problem, if you're listed with your friend's carrier.
You may check the liability limit on your friend's policy, and also check out the other paper works as suggested.
Posted: Mon May 24, 2010 02:16 pm Post Subject:
Your safest bet is to have your friend call his/her agent and tell them that you will be using the car for some time. They will likely need to add you to their policy, once this is completed you should be all set.
Posted: Fri Jun 11, 2010 07:08 am Post Subject:
All depends upon your friend’s car insurance company and coverage; it would be a good idea for him to check directly with his insurance agent on whether he can drive with just permission or needs to be included in his friend’s policy short term. Which company are you insured with and what coverage do you carry? I’m with (link removed by mod-lori) so unless you’re with them too, what works for me might not work for you.
Posted: Fri Jun 11, 2010 11:05 am Post Subject:
TracyKelley,
I have removed your link from all the posts you have put it in..please read and adher to our terms of use, a PM has also been sent. Failure to do so may result in you being permanently banned from this site...
Feel free to contact me with any questions
Posted: Fri Jun 11, 2010 09:12 pm Post Subject:
I don't think there would be any problem, if you're listed with your friend's carrier
My best friend drove my car for quite sometime. She wasn't on my Insurance policy, however, she DID have Insurance of her own. She was driving my car because her car wasn't going to pass Inspection anymore and she was looking for another vehicle. My Insurance Co had said "she was fine", etc.Posted: Mon Jun 14, 2010 03:44 am Post Subject:
My Insurance Co had said "she was fine", etc.
That's all well and good, but every carrier has its own method of dealing with this in the contracts it issues to its insureds. Your experience may not be that of anyone else's.
It is unwise for anyone to assume that their insurance works the same as a friend's or neighbor's -- even if obtained from the same insurance company -- for the purpose of giving or receiving advice such as this.
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