I have a car Toyota Caldina and i have insurance of that car. But if someone else driving that car and make accident in that moment do i get benefit from insurance?
Total Comments: 4
Posted: Thu Nov 17, 2011 04:41 am Post Subject:
It depends if someone else make excluded driver in that moment of that car insurance.
Posted: Thu Nov 17, 2011 05:39 pm Post Subject:
Why on earth are you both so incomprehensible?
If someone drives your car with your permission and gets involved in an accident, the insurance covers it.
You and your permitted drivers are all covered by your auto insurance.
Posted: Thu Nov 17, 2011 07:28 pm Post Subject:
If someone drives your car with your permission and gets involved in an accident, the insurance covers it.
Odd.. because that is not always the case. You might want to read over an application for insurance... the part where it asks the named insured to list everyone in the household. If a person is not listed, has access to the vehicle and drives it, the policy may not provide coverage (it will probably be rescinded).
There are also policies that specifically don't provide coverage when the driver is not listed. These are few and far between and it's also not in-forced in some states but it can happen.
Posted: Thu Nov 17, 2011 08:06 pm Post Subject:
If someone drives your car with your permission and gets involved in an accident, the insurance covers it.You and your permitted drivers are all covered by your auto insurance.
Not only do you need to read the application as tcope recommends, you should also read the contract. Here are two inconsistencies in your statement:
A) I have a roommate who is a licensed driver and owns his own car. To avoid paying triple what I do pay responsibly for my own high limits ($100/$300/$50) coverage, I exclude him as an insured driver because he has several DUIs and a reckless driving conviction. But my roommate's car is in the shop for repairs, and he begs me to let him use my car "for ten minutes, just to drive to the market and back."
So I agree, and hand him the keys to my car. After all, it's just a couple of blocks and back. WHAM! He's busy texting while driving my car and smashes into someone else, and does $10,000 worth of property damage and $20,000 worth of bodily injuries to each of two occupants of that vehicle. Coverage under my insurance? NOT ONE DIME -- he's using the vehicle with my permission, but I have excluded him as a driver so my insurance would not cost $4000 per year. Then I discover that my roommate has no insurance at all -- which is not much of a surprise, he works part time as a bartender.
The injured parties don't even attempt to sue my roommate and his empty pockets, but, as a homeowner with a "real" job and savings, I get hauled into Civil Court and am handed a judgment for $50,000 in damages and $10,000 in attorney's fees, plus I owe my own attorney (who assured me that, "We'll be able to negotiate a reduced settlement.") $10,000 for providing my losing defense. It all comes out of my pocket.
B) My next door neighbor's car is in the shop for repairs. He asks me to let him use my car "for ten minutes, just to drive to the market and back." So I agree, and hand him the keys to my car. After all, it's just a couple of blocks and back. WHAM! He's busy texting while driving my car and smashes into someone else, and does $10,000 worth of property damage and $30,000 worth of bodily injuries to each of two occupants of that vehicle.
I have insurance from Mercury Casualty (or any of a number of other insurance companies whose policies include similar language), and discover that even though I responsibly carry $100/$300/$50 in BI/PD liability coverage, Mercury automatically drops the coverage to the state minimums -- $15/$30/$5 -- when an unnamed, nonexcluded driver is behind the wheel of my vehicle with my permission.
Then I discover that my neighbor has California's "Low Cost Auto" coverage because he can't afford the cost of a "real" auto policy. Those policies are written with even lower limits than the state's "real" minimum liability limits -- $10/$20/$3. I'm paying $800 for 6 months of $100/$300/$50 coverage. He's paying $325 for an entire year of his.
His insurance is secondary to mine, but my insurance company only pays the state minimum limits of $15,000 each ($30,000 of the $60,000 in injuries), and $5,000 of the $10,000 in property damage. His insurance pays $10,000 each of the remaining $30,000 in bodily injuries, and $3,000 of the remaining $5,000 in property damage. Total uncovered loss: $10,000 in bodily injuries and $2,000 in property damage.
We both get sued and appear in Small Claims Court (no lawyers permitted, so my insurance does not provide me with a defense in this venue). Each of us is being sued for 50% of the unpaid loss. The Court holds us "jointly and severally" responsible for their damages, and awards $5,000 in bodily injury and $1,000 in property damage. If my neighbor fails to pay his full $6,000 judgment, I can still be tapped for an additional $1,500 (the maximum Small Claims judgment in California is $7,500).
So while my "permitted driver" is "covered", he can leave me holding the bag for up to $7,500 in this not-unrealistic circumstance. That's what my $1600 per year in combination with his $325 per year in total insurance premiums buys us both.
You and your permitted drivers are all covered by your auto insurance.
Posted: Thu Nov 17, 2011 04:41 am Post Subject:
It depends if someone else make excluded driver in that moment of that car insurance.
Posted: Thu Nov 17, 2011 05:39 pm Post Subject:
Why on earth are you both so incomprehensible?
If someone drives your car with your permission and gets involved in an accident, the insurance covers it.
You and your permitted drivers are all covered by your auto insurance.
Posted: Thu Nov 17, 2011 07:28 pm Post Subject:
If someone drives your car with your permission and gets involved in an accident, the insurance covers it.
Odd.. because that is not always the case. You might want to read over an application for insurance... the part where it asks the named insured to list everyone in the household. If a person is not listed, has access to the vehicle and drives it, the policy may not provide coverage (it will probably be rescinded).
There are also policies that specifically don't provide coverage when the driver is not listed. These are few and far between and it's also not in-forced in some states but it can happen.
Posted: Thu Nov 17, 2011 08:06 pm Post Subject:
If someone drives your car with your permission and gets involved in an accident, the insurance covers it.You and your permitted drivers are all covered by your auto insurance.
Not only do you need to read the application as tcope recommends, you should also read the contract. Here are two inconsistencies in your statement:
A) I have a roommate who is a licensed driver and owns his own car. To avoid paying triple what I do pay responsibly for my own high limits ($100/$300/$50) coverage, I exclude him as an insured driver because he has several DUIs and a reckless driving conviction. But my roommate's car is in the shop for repairs, and he begs me to let him use my car "for ten minutes, just to drive to the market and back."
So I agree, and hand him the keys to my car. After all, it's just a couple of blocks and back. WHAM! He's busy texting while driving my car and smashes into someone else, and does $10,000 worth of property damage and $20,000 worth of bodily injuries to each of two occupants of that vehicle. Coverage under my insurance? NOT ONE DIME -- he's using the vehicle with my permission, but I have excluded him as a driver so my insurance would not cost $4000 per year. Then I discover that my roommate has no insurance at all -- which is not much of a surprise, he works part time as a bartender.
The injured parties don't even attempt to sue my roommate and his empty pockets, but, as a homeowner with a "real" job and savings, I get hauled into Civil Court and am handed a judgment for $50,000 in damages and $10,000 in attorney's fees, plus I owe my own attorney (who assured me that, "We'll be able to negotiate a reduced settlement.") $10,000 for providing my losing defense. It all comes out of my pocket.
B) My next door neighbor's car is in the shop for repairs. He asks me to let him use my car "for ten minutes, just to drive to the market and back." So I agree, and hand him the keys to my car. After all, it's just a couple of blocks and back. WHAM! He's busy texting while driving my car and smashes into someone else, and does $10,000 worth of property damage and $30,000 worth of bodily injuries to each of two occupants of that vehicle.
I have insurance from Mercury Casualty (or any of a number of other insurance companies whose policies include similar language), and discover that even though I responsibly carry $100/$300/$50 in BI/PD liability coverage, Mercury automatically drops the coverage to the state minimums -- $15/$30/$5 -- when an unnamed, nonexcluded driver is behind the wheel of my vehicle with my permission.
Then I discover that my neighbor has California's "Low Cost Auto" coverage because he can't afford the cost of a "real" auto policy. Those policies are written with even lower limits than the state's "real" minimum liability limits -- $10/$20/$3. I'm paying $800 for 6 months of $100/$300/$50 coverage. He's paying $325 for an entire year of his.
His insurance is secondary to mine, but my insurance company only pays the state minimum limits of $15,000 each ($30,000 of the $60,000 in injuries), and $5,000 of the $10,000 in property damage. His insurance pays $10,000 each of the remaining $30,000 in bodily injuries, and $3,000 of the remaining $5,000 in property damage. Total uncovered loss: $10,000 in bodily injuries and $2,000 in property damage.
We both get sued and appear in Small Claims Court (no lawyers permitted, so my insurance does not provide me with a defense in this venue). Each of us is being sued for 50% of the unpaid loss. The Court holds us "jointly and severally" responsible for their damages, and awards $5,000 in bodily injury and $1,000 in property damage. If my neighbor fails to pay his full $6,000 judgment, I can still be tapped for an additional $1,500 (the maximum Small Claims judgment in California is $7,500).
So while my "permitted driver" is "covered", he can leave me holding the bag for up to $7,500 in this not-unrealistic circumstance. That's what my $1600 per year in combination with his $325 per year in total insurance premiums buys us both.
You and your permitted drivers are all covered by your auto insurance.
Not entirely accurate.
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