insurance coverage question
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5th Gear
Joined: Apr 2005
Posts: 6,508
From: South Bay
insurance coverage question
what happens when you let someone borrow your car? does your insurance cover them driving your car or does their insurance cover them?
i have two days to find documentation that says i am covered by either my own insurance or my uncle's insurance when i was driving his truck several months ago.. if i can find this it will save me over1000 dollars in fines.
i have two days to find documentation that says i am covered by either my own insurance or my uncle's insurance when i was driving his truck several months ago.. if i can find this it will save me over1000 dollars in fines.
Thread Starter
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5th Gear
Joined: Apr 2005
Posts: 6,508
From: South Bay
RE: insurance coverage question
well, my insurance (progressive) told me that i am covered in other vehicles, but only if the car owner's insurance isn't adequate...so i contacted my uncle's insurance and they told me that the policy covers the car, not the individual on the policy (i thought this was always the case?!)...anyway, i'm going into court on friday with my insurance card, my uncle's card, my FULL policy, and my uncle's policy. if this judge tells me that's not what he needs, i swear to god i'm appealing.
5th Gear
Joined: Sep 2005
Posts: 9,133
From: New Orleans, La
RE: insurance coverage question
lol so what happened man get pulled over in his truck??
ORIGINAL: bentframe
well, my insurance (progressive) told me that i am covered in other vehicles, but only if the car owner's insurance isn't adequate...so i contacted my uncle's insurance and they told me that the policy covers the car, not the individual on the policy (i thought this was always the case?!)...anyway, i'm going into court on friday with my insurance card, my uncle's card, my FULL policy, and my uncle's policy. if this judge tells me that's not what he needs, i swear to god i'm appealing.
well, my insurance (progressive) told me that i am covered in other vehicles, but only if the car owner's insurance isn't adequate...so i contacted my uncle's insurance and they told me that the policy covers the car, not the individual on the policy (i thought this was always the case?!)...anyway, i'm going into court on friday with my insurance card, my uncle's card, my FULL policy, and my uncle's policy. if this judge tells me that's not what he needs, i swear to god i'm appealing.
1st Gear
Joined: Jul 2005
Posts: 238
From: outwest
RE: insurance coverage question
They way it works (should something happen) is whoever owns the car's insurance will be the primary coverage, and the driver's (if different) will be thesecondary.
As far as law enforcement is concerned, all they care about is the owner of the vechicle has it insured when it's on the road.
As far as law enforcement is concerned, all they care about is the owner of the vechicle has it insured when it's on the road.
Thread Starter
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5th Gear
Joined: Apr 2005
Posts: 6,508
From: South Bay
RE: insurance coverage question
ORIGINAL: BadLuckAudi
lol so what happened man get pulled over in his truck??
lol so what happened man get pulled over in his truck??
5th Gear
Joined: Sep 2005
Posts: 9,133
From: New Orleans, La
RE: insurance coverage question
thats shitty... how much was the seatbelt part like 100 and not they wana fine you 1g for insurance that you do have
ORIGINAL: bentframe
yea, i got a seatbelt ticket last summer in it and i've been trying to satisfy this judge with "proof of insurance" since then [:@][:@][:@]
ORIGINAL: BadLuckAudi
lol so what happened man get pulled over in his truck??
lol so what happened man get pulled over in his truck??
2nd Gear
Joined: Aug 2004
Posts: 887
From: Orange, California
RE: insurance coverage question
What you have should be sufficient. You were given the correct information. The vehicle OWNER'S insurance is primary. Your insurance would only kick in on the liability side if the owner's policy had too low limits to cover the losses (bodily injury and property damage)
Sheeesh - All this over a seat belt ticket?
Sheeesh - All this over a seat belt ticket?
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