Your coverage may pay as secondary coverage, but any insurance covering the car you are borrowing by the car's owner will be primary. If you have liability, there is no coverage for damage to the car you are borrowing from your policy.
It is best to ask this question of your agent, not on a message board.
Posted: Fri May 06, 2011 07:04 pm Post Subject:
Good advice, Robert!! Nailed it 100%.
Posted: Sun May 08, 2011 10:45 am Post Subject:
Actually, the insurance is goes to the car nor you. So if you drive someone else's car you better ask your friend whether s/he has insured her/his car or not.
Hopefully this can help you
Posted: Sun May 08, 2011 02:45 pm Post Subject:
Actually, the insurance is goes to the car nor you. So if you drive someone else's car you better ask your friend whether s/he has insured her/his car or not.
This is not entirely correct. An auto insurance policy is called PERSONAL AUTO POLICY . . . and it means that the coverage follows the person, regardless of the car they drive. The premium for the policy is based on a combination of the person's own driving record and the vehicle they insure. It is possible to have auto insurance and NOT own a vehicle.
As previously explained, coverage the vehicle owner has on his/her vehicle will be considered the PRIMARY coverage for that vehicle. Any coverage that another driver has for himself or the vehicle he owns will provide excess (secondary) coverage in the event of a loss to a non-owned vehicle he operates.
So if you drive someone else's car you better ask your friend whether s/he has insured her/his car or not.
While this is always an important question to ask, it is MORE important to ask the person who wants to borrow your car if THEY have insurance. Many policies will only provide minimum liability limits in the event the insured vehicle is driven by an uninsured/unnamed driver.
Posted: Fri May 06, 2011 04:32 pm Post Subject:
Your coverage may pay as secondary coverage, but any insurance covering the car you are borrowing by the car's owner will be primary. If you have liability, there is no coverage for damage to the car you are borrowing from your policy.
It is best to ask this question of your agent, not on a message board.
Posted: Fri May 06, 2011 07:04 pm Post Subject:
Good advice, Robert!! Nailed it 100%.
Posted: Sun May 08, 2011 10:45 am Post Subject:
Actually, the insurance is goes to the car nor you. So if you drive someone else's car you better ask your friend whether s/he has insured her/his car or not.
Hopefully this can help you
Posted: Sun May 08, 2011 02:45 pm Post Subject:
Actually, the insurance is goes to the car nor you. So if you drive someone else's car you better ask your friend whether s/he has insured her/his car or not.
This is not entirely correct. An auto insurance policy is called PERSONAL AUTO POLICY . . . and it means that the coverage follows the person, regardless of the car they drive. The premium for the policy is based on a combination of the person's own driving record and the vehicle they insure. It is possible to have auto insurance and NOT own a vehicle.
As previously explained, coverage the vehicle owner has on his/her vehicle will be considered the PRIMARY coverage for that vehicle. Any coverage that another driver has for himself or the vehicle he owns will provide excess (secondary) coverage in the event of a loss to a non-owned vehicle he operates.
So if you drive someone else's car you better ask your friend whether s/he has insured her/his car or not.
While this is always an important question to ask, it is MORE important to ask the person who wants to borrow your car if THEY have insurance. Many policies will only provide minimum liability limits in the event the insured vehicle is driven by an uninsured/unnamed driver.
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