Does auto insurance cover a person or an automobile?What if someone drives your insured car and they have none
By admin on Nov 21, 2009 in Insurance
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
On Nov 23, 2009, pillabrut02 said:
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.
On Nov 23, 2009, MancalledDad said:
Simply, the insurance is on the car, no matter who the driver is.
On Nov 23, 2009, CFP L.L. said:
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.
On Nov 26, 2009, wncan47 said:
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.
On Nov 27, 2009, danna0724 said:
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.
On Nov 28, 2009, amyvnsn said:
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.
On Nov 30, 2009, ageofinfamy said:
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…
On Dec 5, 2009, lilly_mom_pr said:
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.
On Dec 8, 2009, reeky29 said:
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
On Dec 9, 2009, MadforMAC said:
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.
On Dec 12, 2009, starkenyabuck1 said:
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.
On Dec 15, 2009, trcilin said:
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.
On Dec 16, 2009, prettylade said:
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.
On Dec 18, 2009, mbolen76 said:
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.
On Dec 19, 2009, masterseneil said:
the person only!!!
On Dec 23, 2009, sshazzam said:
In my state, the car is insured for specific drivers but would not cover me driving another car. (I think)
On Dec 24, 2009, islalinda said:
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.
On Dec 24, 2009, g3010 said:
Insurance covers both car and humans plus property.
On Dec 26, 2009, rubyrudy said:
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.
On Dec 27, 2009, careercollegestudent1 said:
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.
On Dec 29, 2009, shorty said:
automobile insurance covers the car health or accident insurance covers a person in a wreck or such
On Dec 31, 2009, mikeoxbigg2006 said:
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
On Dec 31, 2009, leaperpup said:
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.
On Jan 2, 2010, Bart said:
the car not the driver
On Jan 4, 2010, marys03eclipse said:
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.
On Jan 6, 2010, ladyoh said:
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
On Jan 11, 2010, man in black said:
Just make a fake id and say your the friend!!!!
On Jan 13, 2010, lost said:
well in som cases car n da driver both r covered . dont know abt da company whom u insured .
On Jan 15, 2010, HeartlessClown said:
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”
On Jan 18, 2010, R.J. said:
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.
On Jan 19, 2010, twaddlebasher said:
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…
On Jan 22, 2010, genia3173 said:
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.
On Jan 27, 2010, cazzade3 said:
As long as it is a one of thing then u should be covered
On Jan 28, 2010, Steve Stifler said:
It only covers the car your insurance will cover you.
On Jan 31, 2010, nickdude07 said:
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.
On Feb 3, 2010, justgenius12 said:
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.
On Feb 5, 2010, johnman142 said:
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
On Feb 9, 2010, tharedhead said:
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!
On Feb 12, 2010, ohm'slaw said:
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
On Feb 12, 2010, russiatannerblue said:
The car! Your regular insurance takes care of you.
On Feb 16, 2010, ameeprice said:
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.
On Feb 16, 2010, Lisa said:
both …..duh
On Feb 18, 2010, MADAM_BUTTERFLY_206 said:
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…