Does auto insurance cover a person or an automobile?What if someone drives your insured car and they have none
July 4th, 2009 | by The Broker |
Sweetask asked:
If you drive someone’s car who has insurance on their car but you don’t have any auto insurance and you get in a wreck does their insurance cover it or could you get a ticket for driving without insurance? Would you be an uninsured motorist even if the car you drove was covered by someone elses insurance?
the car I would be driving is covered by the friend’s insurance. I just dont have any insurance since I sold my car
What about my husbands car? Am I allowed to drive his car when I have no insurance and my name isnt on his policy? But he does have insurance
If you drive someone’s car who has insurance on their car but you don’t have any auto insurance and you get in a wreck does their insurance cover it or could you get a ticket for driving without insurance? Would you be an uninsured motorist even if the car you drove was covered by someone elses insurance?
the car I would be driving is covered by the friend’s insurance. I just dont have any insurance since I sold my car
What about my husbands car? Am I allowed to drive his car when I have no insurance and my name isnt on his policy? But he does have insurance
43 Responses to “Does auto insurance cover a person or an automobile?What if someone drives your insured car and they have none”
By pillabrut02 on Jul 7, 2009 | Reply
If the accident was caused by you then you are responsible for paying for the damages to the other person’s car. In some cases, however, the person doesn’t have the means to pay for the damages and they are also uninsured in which case they end up in a place called prison. It is illegal to drive a car without insurance.
By MancalledDad on Jul 8, 2009 | Reply
Simply, the insurance is on the car, no matter who the driver is.
By CFP L.L. on Jul 9, 2009 | Reply
When someone grants you permission to drive their cars, their auto insurance is the primary coverage for that trip. Only if there’s a gap, your insurance will be liable.
You should would be violating the law if you drive in a state requiring auto insurance without a coverage. But again, if they grant you the permission to drive, their coverage is used.
This would make it seems that the insurance is by the car, but actually it’s also by the owner. For example, if you rent a car, your auto policy will cover the rental car. If you’re a pedestrian during a car accident, your auto policy also covers you.
By wncan47 on Jul 10, 2009 | Reply
if your over 21 it will but if you dont have insurance and the accident was caused by you you will have to pay for both vehicles.but if it was the other drivers fault ten your in the clear.
By danna0724 on Jul 15, 2009 | Reply
depends on what state you are in, and what type of policy there is. usually the insurance is on the car. however, someone who does not own a car and wants to cover themselves can purchase drivers insurance on themselves, no matter what vehicle they are driving.
By amyvnsn on Jul 16, 2009 | Reply
Auto ins. is for cars, but you HAVE to have all drivers names on the insurance cards, if not, a driver w/o being on the insurance is a big no no. If the insurance finds out the driver was uninsured, they will NOT cover the costs to repair.
By ageofinfamy on Jul 18, 2009 | Reply
depends, ask the insurance company staff to be sure. they cover the person, and additional drivers, etc. or some cases, the insureance covers all drivers, like for company vehicles, etc. So better check if it is comprehensive insurance that covers all drivers…
By lilly_mom_pr on Jul 20, 2009 | Reply
It covers bodily injury and in some cases it even covers medical expenses. It also covers the automobile it self… the one covered and the one you hit.
You dont need to have insurance, you just need the car you are driving to be insured. You might want your friend to add you to the policy as an additional driver to be safe.
By reeky29 on Jul 20, 2009 | Reply
It all comes down to the laws in your state. There are a few states that have the no fault policy in effect. Normally the rule of thumb is the insurance follows the vehicle. I worked in claims for 4 years and that is the rule we always lived by. Now if you drove their car and they had NO insurance and you had SOME on your own vehicle then your insurance might come into play if for nothing else, your medical expenses. Any other questions, let me know
By MadforMAC on Jul 24, 2009 | Reply
It depends on their insurance coverage. Many auto insurance carriers cover that, then, technically you might not be considered uninsured (for that situation). But it depends on the carrier.
By starkenyabuck1 on Jul 25, 2009 | Reply
auto insurance covers a car not a person that’s what auto insurance is for but if you get hurt in a car accdient you should have life insurance.
By trcilin on Jul 26, 2009 | Reply
Insurance follows the vehicle. If you are driving a persons vehicle that has insurance on the vehicle you are covered and would not get a ticket. As long as you have permission to drive the vehicle.
By prettylade on Jul 28, 2009 | Reply
You are covered if you drive someone else’s vehicle but their vehicle is not. You are not covered if you get in a wreck with someone else’s car for the damages to their vehicle or the liability of the damage. We carry uninsured motorist insurance to cover costs if we get in an accident with an uninsured motorist.
Best bet is to check with the insurance company you are working with. It is best to never drive someone else’s vehicle and never drive without insurance. Read your policy thoroughly. Our friend had full coverage insurance and had a wreck that totaled his vehicle (someone rearended him). Even though it wasn’t his fault, the insurance company only wants to pay $1800 on his vehicle that he owes over $10,000.
Something you don’t hear about much in driver’s training anymore — drive defensively not with rage.
By mbolen76 on Jul 30, 2009 | Reply
I am an insrance agent. No you would not get a ticket for driving without insurance. The person who owns the vehicle is responsible for carrying insurance on their car and their liability would pay, unless you were driving the car without the owners permission. You could not legally purchase insurance on their car, because you have no insurable interest. The insurance always follows the vehicle. If you have and accident and the person you hit gets an attorney, the attorney may try to seek a lawsuit against both the owner of the vehicle and you as the driver (which you would turn into your individual insurance company, regardless of what vehicle you were driving. You are not legally required to have liability insurance if you do not own a car. If you are required by your state to get liability insurance and you do not own a car, which is usually because someone has had a DUI or other major violation and is trying to get their drivers license back, you would purchase what is known as non-owned auto coverage.
By masterseneil on Aug 2, 2009 | Reply
the person only!!!
By sshazzam on Aug 5, 2009 | Reply
In my state, the car is insured for specific drivers but would not cover me driving another car. (I think)
By islalinda on Aug 7, 2009 | Reply
This just happened to me. A lady hit my car, she was driving a car that belonged to someone else (with permission) and his insurance policy had to pay for the damages to my car. She got a ticket too. She didnt even have a licence yet, only a drivers permit and no one in the car was liceneced. The only scary thing was that they (his insurer) had to actually speak to the guy who owned the car to make sure he’d given her permission to drive it, and if he had said NO, I dont think his insurer would have paid.
By g3010 on Aug 9, 2009 | Reply
Insurance covers both car and humans plus property.
By rubyrudy on Aug 12, 2009 | Reply
It depends on the type of coverage you get. I is possible to get auto insurance that will cover the personal injury.
Depending on the state you live in you can be ticket for have not insurance. In California you must have liability insurance by law, so you can be ticketed for have none.
By careercollegestudent1 on Aug 13, 2009 | Reply
Their car SHOULD be insured if it was your fault or not, but probably would not cover YOUR personal damages. It SHOULD also cover the other motorist. What insurance companies SHOULD do depends on how good the LAWYER is that’s sueing them and making them pay for what they are responsible for. Because if they could save three hundred dollars to let three hundred people die, they would, because they are ALL scum trash that need to get indicted for bribing the legislations for passing laws in their favor, then thay all need to die and we can start all over.
By shorty on Aug 16, 2009 | Reply
automobile insurance covers the car health or accident insurance covers a person in a wreck or such
By mikeoxbigg2006 on Aug 19, 2009 | Reply
it covers both. An insured driver can be insured in an uninsured car. And someone with no insurance can be covered in a car that is insured by someone else. Check your policy for specific details
By leaperpup on Aug 20, 2009 | Reply
It depends on the insurance coverage that the car owner has. Some policies only cover those living in the household, others only those over 21 or 25. I have insurance coverage that covers me if I drive a vehicle that is not mine and it also covers licensed drivers who drive my vehicle with permission.
If you are not personally insured but have a license and permission to drive another’s automobile, that person’s insurance may cover you if that person has the proper insurance. If the insurance on the automobile does cover legally licensed drivers with the owner’s permission, then it would not be an uninsured motorist claim.
However, since you took the vehicle and drove it, you are morally responsible for any deductible.
By Bart on Aug 23, 2009 | Reply
the car not the driver
By marys03eclipse on Aug 25, 2009 | Reply
depends on how much total coverage you are wanting to co-pay out is normally $100/500/1000.It does cover a minum you would have to read your policy and see .Or call your Ins. Agent.
By ladyoh on Aug 26, 2009 | Reply
you cover as long he have you permission to drive and i’am sure he did but if you have accident you be cited for failure to control that is always true in your car or any ones
By man in black on Aug 27, 2009 | Reply
Just make a fake id and say your the friend!!!!
By lost on Aug 28, 2009 | Reply
well in som cases car n da driver both r covered . dont know abt da company whom u insured .
By HeartlessClown on Aug 28, 2009 | Reply
It’s simple, the insurance follows the car. So long as you don’t live in the household, the insured can give you permission to drive. Whether or not you are at fault doesn’t matter. You have to go back to the fact of ” THE INSURANCE FOLLOWS THE CAR”
By R.J. on Aug 30, 2009 | Reply
If you have auto insurance, you are covered no matter what vehicle you drive. Depending on the insurance policy, if you do not have insurance and the owner of the vehicle does, normally the vehicle is covered.
By twaddlebasher on Sep 2, 2009 | Reply
Looking at my policy, both are covered.
If somebody else borrows or steals your car and gets in to an accident, your policy pays the damages but the other driver is responsible for the legal ramifications (unless it’s an underage child then that’s the parent/guardian’s problem).
That’s why the car is covered.
Most policies allow you to cover a rental car under YOUR own auto policy, which is why most insurance policies pushed by the rental companies are a waste of money.
That’s why the person is covered.
In this state (NM), it’s a requirement that I buy “uninsured driver” rider on my policy, to cover damages by uninsured people to myself/my vehicle/other peoples’ stuff & bodies, even if my own car is stolen by an uninsured person.
Of course, I’m not a lawyer, let alone contract lawyer, so my interpretation is not legally valid…
By genia3173 on Sep 3, 2009 | Reply
No, you are liable for the damages if your proven at fault, besides most insurances do not cover someone who is not listed on the plan..So, I hope you have a savings account to tap into.
By cazzade3 on Sep 7, 2009 | Reply
As long as it is a one of thing then u should be covered
By Steve Stifler on Sep 7, 2009 | Reply
It only covers the car your insurance will cover you.
By nickdude07 on Sep 7, 2009 | Reply
Basically it covers both. My friend case in point, had full coverage on his 01 Mustang GT, and was driving his friends 03 Cobra Mustang. Totaled it. His insurance made him pay his deductible, but they covered the rest. Of course an accident stays on your record for some time, and depending how bad your accident was (IE. involving several cars, multiple bodily injuries), your policy could go through the roof. But the bodily injury, auto repairs are covered up to a certain amount, with your deductible. All of this information should be spelled out in your policy.
By justgenius12 on Sep 10, 2009 | Reply
It depends, but usually the insurance just covers the car. Like other people pointed out, if you’re driving someone else’s car, with their permission, their insurance covers the car, so you don’t need insurance.
By johnman142 on Sep 11, 2009 | Reply
the only way to know for sure is to read the policy, normally the vehicle is covered, the exception is medical which covers the person if they are injured in ANY type of motor vehicle, like a taxi, or paseenger in another vehicle
By tharedhead on Sep 15, 2009 | Reply
the perfect answer to your question is right here!
In order to be on the road the vehicle must have insurance.
if the car is covered by another person’s insurance you are not considered an uninsured motorist, because the car has insurance…so you wouldn’t have legal trouble from the police (like a ticket) for driving w/o ins. But you may very well have trouble with the insurance company depending on the policy in place…Some people who have had trouble with DUI or DWI, need an sr22 and then in that case that person is personally insured because they are required to keep that on top of auto liability insurance.
In all other matters…
It depends on your policy. If you have only liability coverage…no one is covered except for the other car. If you have comprehensive collision coverage than all are covered for medical up to a certain amount, for damages sustained to property…etc. Some people have insurance that works when they drive other people’s cars, so if I drive your car..and get into a wreck…don’t sweat it because I am covered.
But some policies don’t even allow a person to have other drivers driver the insured vehicle..in that case your insurance company may say that having a driver who is not on the policy is a breech of contract and not cover you at all.
I am sure I have sufficiently answered your question!
By ohm'slaw on Sep 21, 2009 | Reply
the Person “primary driver”
then,their main vehicle
not usually covered if driver uninsured (uninsured can be sued for “recovery”)
except no-fault states
Read The Policy
By russiatannerblue on Sep 23, 2009 | Reply
The car! Your regular insurance takes care of you.
By ameeprice on Sep 26, 2009 | Reply
It depends which state you live in. Generally the insurance follows the vehicle, not the driver. In California, the vehicle is insured and people are either listed as the policy holder or a listed driver. Now if you lend your vehicle to a friend, that person is now considered a permissive use driver and coverage would depend on the wording of the policy. Most well known companies will extend coverage to a permissive use driver but they reduce the liability limits to the State minimum. So check your policy wording before lending your vehicle out.
By Lisa on Sep 27, 2009 | Reply
both …..duh
By MADAM_BUTTERFLY_206 on Sep 30, 2009 | Reply
It depends…Auto insurance covers the car..however some Auto insurance companies may have fine print on what drivers they will cover…but usually you would be safe…There is also something called “drivers insurance” which covers you as a driver so you could drive many cars but does not cover any one car…furthermore, if you got pulled over in a car as long as it was insured not you in particular you would not get a ticket as an uninsured driver…