my son has liability insurance and had a accident in my car does his insurance pay for the damage to my car?
Posted on Sep 15, 2009 under Insurance Information |also my car was just bought brand new
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Insurance Information
also my car was just bought brand new
September 15th, 2009 at 8:27 am
depends on the terms of the policy. I’d double-check with both your agent and his.
September 15th, 2009 at 8:27 am
No. I think insurance follows the car first.
September 15th, 2009 at 8:27 am
liability only covers the other car or even other people in your car. To cover your car you need collision coverage.
September 15th, 2009 at 8:27 am
Your policy should cover an occasional driver and his policy should cover any loaner vehicles that he may be driving. Read your policy and read his. Say my car is broken down, and I get a rental, I can either buy there insurance or use my existing policy, right? A normal policy will cover rentals and loaner vehicles. This is not an absolute answer because the only absolute answer is within the two policies of you and your son’s contract. You said that he only has/had liability insurance, normally that only covers the car that he hit, not the car that he was in.
September 15th, 2009 at 8:27 am
Unfortunately while he was driving your car he became an "insured person" under your policy. You allowing him to drive your car makes you liable for any accident he was in. Any damage done to your car would have to be covered under your collision coverage and if there was damage to another person’s car or any injuries would come under your liability coverage.
In some circumstances, if your policy did not have collision coverage but his policy did, he may be able to claim it under his policy depending on the circumstances in which he was using the car.
September 15th, 2009 at 8:27 am
Your insurance will pay the damages (if pending much damage their on car) and the rates of the insurance will go skyhigh through the roof.
September 15th, 2009 at 8:27 am
insurance follows the vehicle. Your collision coverage is primary.
Your son’s insurance is secondary. This means that if your car is uninsured or underinsured, his insurance will kick in. The other scenario in which his insurance becomes primary is if he stole the car from you, but in this case you will have to be prepared to file a police report, press charges, etc.
liability insurance is for damage to other vehicles and/or property, and injuries to other parties only.
September 15th, 2009 at 8:27 am
Just to point out a flaw in the above answer. If the car is reported as stolen, then the sons insurance will NOT kick in. Insurance does not cover actions by the insured that are illegal. In this case the parent would collect from their own insurance (assuming he’s not listed on the policy, since if he is then again it wouldn’t cover an illegal action) but it would be considered not their fault.
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