Question:
My brother-in-law let another family member drive a vehicle they were not insured to drive? any idea what our insurer will do? will they allow us to claim the wreck or am I stuck paying out-of-pocket?
Answers:
Roughly, how much does it cost to get a car?
First, the insurance follows the vehicle, not the driver. Did he have a valid license? Anyone can drive your vehicle with your permission (even implied permission - not even direct permission) and they are covered. I don't see why you can't claim the damages. Was there another vehicle involved? If there was, I would definitely report it to your insurance, it could come back to haunt you if you don't.THE family member will be sued.
Do i still needs to pay my insurance?
your vehicle has insurance it should cover anyone who is in the vehicle, although your premiums will go up for allowing them to drive it.How do I pick a car that's cheap to insure? I'm in NY and need a cute, reliable 4 door '03-'05 car.
You should be covered. Make sure everyone has their story correct.that it was an exceptional circumstance that this person was driving.Gieco has wrong VIN# for my truck.Now what?
Most preferred insurance companies will insure anyone driving the car with a valid driver's license and permission. Like someone above said, it is very important that this person does not drive the car regularly, otherwise they'll make you put them on your insurance.Can a person claim when another person was in an accident with his car?
So the car is covered but your insurance will go up for the next 3yrs... I guess you can still shoot her.
When u have an insurance claim do they determine settlement by the retail value of your vehicle?
It depends on who you are with, but there is a chance your claim will be denied because your relative wasn't insured.How can i get vehicle registration info on cars i had along time ago?
However, if your policy includes coverage for uninsured drivers (in case of an accident), it's possible your claim may be accepted, but that coverage is normally there if another car hits you and that driver is uninsured.
Am I allowed to sell salvaged/retired license plates?
Check with your insurance agent.
As long as you carry collision, unless there is a specific exclusion on your policy it will be covered. This is considered a "permissive use" issue, meaning it was implied this gal had the permission to use your vehicle. Insurance follows the car, not the driver.
This is also considered an at-fault accident because the driver of your vehicle caused the damage. You may want to take it to a body shop and find out how much the repairs will be before you claim it, because you'll have to pay both a deductible and the raised premium.
Do I Need Auto Insurance if I don't have a car?
Yikes, sounds like you need to keep a tighter reign on who's got that car-she could have hurt herself or someone else which would be far worse.
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