subject: Automobile Accident in Someone Else's Car? [print this page] Automobile Accident in Someone Else's Car?
Depending on the scenario surrounding your accident, you may or may not be covered by the owner's car insurance. Different states and insurance companies have policies surrounding this issue. The information used here is generalized and depends on the car insurance quotes you collect and compare.
Car Insurance For a Vehicle Not a Driver
Auto insurance generally is attached to the car and not to the driver. What this means is if you are driving your friends car who is fully insured, your accident will most likely be covered if it is not your fault. Some states have no fault rules requiring the car insurance company to pay regardless. This is something that needs to be verified in your area.
Car Insurance For a Passenger
If you are a passenger in someone else's car you will be covered by the car insurance on the car. All drivers are required to carry a minimum of liability insurance to operate the vehicle. If you are injured you will be able to claim against this policy.
A Non Moving Car and Auto Insurance
If you are in someone's car and have a non moving accident, scrape a pole in a parking lot, the accident will only be covered if there is collision coverage on the car. Car insurance policies that are basic policies, or personal injury protection policies, do not cover body damage.
Who Can Claim Car Insurance?
Claims against the insurance policy must be made by the owner of the car and not the driver. Insurance companies will proceed from the initial claim information as to coverage and liability. Many times a lawyer may have to become involved if the situation is complicated and the company does not know who to pay.
Ask Questions and Do Some Research
Since car insurance regulations change quite often, it is always important to ask your insurance carrier your questions. Some carriers simply cover everything; others are very strict in what is allowed. This is something to be considered before you lend out your keys.
When you purchase car insurance you should inquire about other drivers and passenger coverage. The above scenarios are only a few common situations that can occur. There are several other events that include driving another person's car or being in an accident as a passenger. Each event will need to be addressed independently.
Conclusion
Car insurance is something that must be purchased to legally drive a vehicle. At the time of purchase you should verify all your coverage, deductible and ceiling limits on the policy. This way you will always know, in the sad event of an accident, that you will be properly covered by your car insurance.
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