Question:
if my brother in law who is a licensed, insured motorists is driving my car, gets into an accident am i liable?
Answers:
Hi......can somebody plz help me?
ia428282 is 99% correct. i get the other 1% for writing this. sorry ia428282 gotta shareMy California registration sticker got stolen. Should I inform the DMV? and will they replace it?
Adfking,This is pretty simple. HE IS.
TDCWH
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You can be one of the co-respondants in a civil suit, because you are the owner of the car; and gave permission to your brother-in-law. Some complainants go after both owner and driver, or whoever has more money to pay out.Another key issue: who is at fault in the actual accident.
Let everyones' insurance Co. work it out.
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You your brother and the insurance company share the liability,The insurance company pays the claims up to the limits.read your policyCall your insurance agent and have he or she explain the policy. They do not charge for this.
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Wow- every single person so far has got this question wrong. It angers me when people answer to just answer and have no idea what they are talking about.If your vehicle is insured under your name (im going to assume it is) then always remember "insurance follows the vehicle- not the driver." And your policy would pay out for any damages caused by the accident.
If for some reason yoru vehicle is not insured.. well... look forward to a LONG process that may or may not end up with your brothers insurance paying if they are feeling extremely generous.
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Bottom line- your car- your responsible for who drives it- your insurance pays
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Insurance follows the vehicle. You are responsible for paying the damages. If you don't have high enough liability limits your brother in law's policy can be considered excess where they would start paying after you have exhausted your limits.how can i find out the group of insurance on my car. eg my bmw has group 10 insurance?
The short answer is you are liable
the claims adjuster is absolutely right. insurance is on the vehicle, not the driver. so it doesn't matter who was driving the car, if it is insured to you, the liability is yours.
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His insurance is secondary to yours, if it pays at all. The driver and the owner are equally liable for any damages. Your insurance will pay first. If there are damages that exceed your liability limit, his insurance MAY pay as secondary coverage. Some policies extend to any non-owned vehicle you are operating with the owner's permission but not all do.Insurance follows the car, not the driver. So his insurance has nothing to do with it. If the vehicle is yours, and registered in your name, you are responsible for whatever happens with the vehicle regardless of who was driving unless your vehicle was stolen, and reported stolen.
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If he was at fault in the accident, turn it in to your insurance and let them handle it.
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Yes, since the vehicle is registered to you - you are also partially responsible.how do you find out who own a car if you have the plate number?
Yes, insurance follows the car, not the driver.. Now if the damages to the other party are substanial, and your coverages on your veh are adequate to pay for the damages. They may be able to go after your brother in law's insurance for enough coverage to cover rest of cost...How do I not get my license suspended for not having insurance?
If you give your brother-in-law permissive use to drive your car, they would fit the definition of an insured person under your policy by being a permissive user. Your insurance company will cover the loss and any resulting damages your brother-in-law may be legally liable for (property damage, injuries). In some states, there may be a step down provision on a permissive user which means the bodily injury limits drop down to whatever the state minimum coverage is where the loss occurred. For instance, if you carry coverage of 100/300 and the state minimum is 25/50, then your brother-in-law would only be covered up to a $25,000 injury loss rather than $100,000.If your brother-in-law causes a loss and the damages exceed your coverage, he may have any excess coverage to protect him. This is referred to as secondary coverage (your's is primary).
There are some states with laws that hold you vicariously liable for a loss when you allowed your brother-in-law to use a car and a loss occurs. Even in those states that don't have such a law on the books, the concept of negligent entrustment can be raised if you lent your car to someone with a checkered driving history such as DUI, Reckless, several cites, etc.
Bottom line is.....be careful who you lend your car to. Good luck
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no the driver isClaim Rep is right. But this can vary by company and state. Some companies to not have permissive use on their policies or limit the limits to lower limits than what is on the policy. That is why it is very important to speak to the claim rep not the insurance agent. If you have good insurance you will not have any problem. Sometimes you get what you pay for. Also, I think your question might be are your insurance rates going to be effected? That you need to check with your insurance agent because different states and companies will vary there too.
If the accident is not your fault, it may not effect your rate but check with your agent to be sure. If your asking if your insurance company will pay for the accident, call the claim rep handling it. But your probly ok.
I don't know
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No, the operator of the car is liable. If your brother in law wasnt a licensed driver and you KNEW it, then you would be liable because you gave the car to him illegally. Otherwise your car didnt get into the accident, your brotherinlaw did and he has to pay you and the other party for damages..More Questions & Answers ...
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