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11-10-2008, 06:00 AM
| | Junior Member | | Join Date: Nov 2008
Posts: 4
| | | If you let a friend drive your car, they are not on your insurance and they get in an
If you let a friend drive your car, they are not on your insurance and they get in an accident does the insurance company have to pay? |
11-10-2008, 07:35 AM
| | Senior Member | | Join Date: Feb 2006 Location: Philadelphia, PA
Posts: 17,803
| | | You didn't post your state, but in the US, in most cases, anyone who has permission to drive your car will be covered. |
11-10-2008, 11:51 AM
| | Senior Member | | Join Date: Jun 2004
Posts: 7,575
| | Quote:
Originally Posted by ecmst12  You didn't post your state, but in the US, in most cases, anyone who has permission to drive your car will be covered to the same extent you would be covered if it was you who had the accident. | Fixed 
(Gotta account for those exclusions!)
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Originally Posted by me Then start crying uncontrollably. If that doesn't work, fill your pants with shaving cream and start screaming about the voices in your head. Maybe they'll feel bad enough about your other problems and let you out of the ticket. | |
11-10-2008, 12:26 PM
| | Senior Member | | Join Date: Feb 2006 Location: Philadelphia, PA
Posts: 17,803
| | | Thought that went without saying. I don't feel the need to give especially explicit answers to vague questions. |
11-10-2008, 12:58 PM
| | Senior Member | | Join Date: Jun 2004
Posts: 7,575
| | Quote:
Originally Posted by ecmst12 Thought that went without saying. | You've been here how many years and still assume that people have common sense? 
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Originally Posted by me Then start crying uncontrollably. If that doesn't work, fill your pants with shaving cream and start screaming about the voices in your head. Maybe they'll feel bad enough about your other problems and let you out of the ticket. | |
11-10-2008, 02:04 PM
| | Senior Member | | Join Date: Jul 2007
Posts: 1,273
| | Quote:
Originally Posted by You Are Guilty You've been here how many years and still assume that people have common sense? | Since when does common sense and the law have anything to do with each other?
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11-11-2008, 05:47 AM
| | Junior Member | | Join Date: Nov 2008
Posts: 4
| | | The state is MD and the insurance company isnt paying the claim. They told me directly that if you lend your car to someone/anyone they are not covered unless they are named on the insurance policy. |
11-11-2008, 06:15 AM
| | Senior Member | | Join Date: Sep 2006 Location: Missouri Ozarks
Posts: 2,924
| | | Do you and your friend share a residence? How frequently did you let your friend borrow the car? |
11-11-2008, 07:31 AM
| | Senior Member | | Join Date: Feb 2006 Location: Philadelphia, PA
Posts: 17,803
| | | First, what are they not paying for? Your car or the other person's or both? Second, you need to read your policy and see what the definition of an "insured person" is. |
11-11-2008, 11:09 AM
| | Senior Member | | Join Date: Jan 2005
Posts: 21,693
| | Quote:
Originally Posted by skimble65 The state is MD and the insurance company isnt paying the claim. They told me directly that if you lend your car to someone/anyone they are not covered unless they are named on the insurance policy. | You need to read your policy - every word. Then, come back and ask your questions.
(this is echoing ecmst12's advice)
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