Readers ask: Neighbor Wrecked Car Whose Insurance Pays?

What insurance pays other people when you damage their car?

Auto liability insurance is a type of car insurance coverage that’s required by law in most states. If you cause a car accident — in other words, if you are liable for the accident — liability coverage helps pay for the other person’s expenses.

Does another person’s insurance pay for my car?

Most car insurance policies will cover drivers you’ve listed on the policy, or anyone whom you give permission to drive your car, says Nolo.com. This means your insurance will likely cover another driver in the event of an accident, as long as they had your permission to drive your vehicle.

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How does insurance work if I crash someone else’s car?

Auto insurance usually follows the car, not the driver. Your friend’s insurance normally wouldn’t cover damage from a crash when they’re driving someone else’s vehicle. Your insurance generally pays for the friend’s crash, as long as your friend is a licensed driver and doesn’t regularly borrow your car.

What happens if someone not on your insurance crashes your car?

What happens if someone wrecks your car and they aren’t on your insurance? But if you can prove they weren’t given permission to drive or if they’re specifically excluded from your policy, then your insurance won’t cover them and they’ll be liable for the damage they caused.

Does insurance cover if you damage your own car?

You can make an insurance claim for damage you caused to your own car if you have collision and/or comprehensive coverage. If you have a liability-only car insurance policy, however, damage that you do to your own car won’t be covered. Also, even if you have “full coverage,” insurance won’t pay for your own negligence.

At what point do you drop full coverage on my car?

A good rule of thumb is that when your annual full-coverage payment equals 10% of your car’s value, it’s time to drop the coverage. You have a big emergency fund. If you don’t have any savings, car damage might leave you in a severe bind.

What should you not say to your insurance company after an accident?

Avoid using phrases like “ it was my fault,” “I’m sorry,” or “I apologize.” Don’t apologize to your insurer, the other driver, or law enforcement. Even if you are simply being polite and not intentionally admitting fault, these types of words and phrases will be used against you.

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Do you need car insurance to drive someone else’s car?

If you don’t have your own insurance policy (either on your own car including DOC cover, as a named driver on the car owner’s policy, or standalone temporary cover), you will not be legally covered to drive. The bottom line is you must have insurance to drive a car, whether it’s yours or somebody else’s.

Who is responsible for a car accident the driver or owner?

In most cases, the driver of a vehicle who causes a car accident is responsible for any damages caused by the crash. However, that is not always the case. If the driver of the vehicle is not the owner of the vehicle, you could have a claim for damages against more than one individual.

Are you liable if someone else wrecks your car?

If your friend is driving your car and gets in an accident, but the other driver was at fault, then the at-fault driver’s insurance will cover the damages and costs. However, if you don’t have collision coverage, you’ll have to cover damages to your vehicle.

What happens if I let someone borrow my car and they crash?

If you let a friend borrow your car and he or she causes an accident, your auto insurer would be responsible for paying for damages to the other driver and his or her passengers, up to the limits of your policy. If damages exceed your policy limits, your friend’s insurance would act as secondary coverage.

Can I let someone borrow my car?

Although you should check your individual policy, most of the time you can let someone drive your car and still have coverage. As long as you give the person permission, and they only drive the car occasionally, there shouldn’t be an issue. Find out what happens when you let a friend or family member borrow your car.

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Who is liable if I loan my car to a friend?

Suppose you lend the car to a friend, who causes an accident. Your liability insurance would pay to repair damage to the other vehicle and any medical bills, up to your policy limits. Once those limits are reached, your friend would be responsible for what’s left over.

Is the reversing driver always at fault?

Is the Driver Backing Up Always At Fault? In most cases, the driver backing up will be partially at fault, if not entirely at fault. That said, there are a few exceptions to the rules when making a determination of fault.

Should I tell my insurance company about a minor accident?

Yes – if you’ve been in an accident, you do have to tell your insurer. You should send your insurer a letter telling them what’s happened. But make it crystal clear that this is for ‘information only’ and you don’t wish to make a claim.

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