Victoria B asked:
my stepdaughter caused a accident and her insurance had to pay its limits but the injuries to the person was more than her policy would cover, can the injured come back on my car policy under resident relative claus? She lives with me and I have her on my health insurance but not my car insurance, even though she occ. drives my car.
Answer:
Answer by Joe
If shes under age yes. If you owned car yes.
Give your answer to this question below!
car insurance policy
Insurance Q&A #2 css asked:
I have a car and have taken Auto insurance for it.
Now my question is if i take a rental car, then my auto insurance policy for my car covers it or i need to take separate insurance for the rental car? When i took the auto insurance policy, they have taken my car details and its present in the insurance card also.
If i need to take insurance for rental car, what type of insurance do i need to take excluding my auto insurance policy coverage that applies to all cars?
Also if i am driving someone else car, will my insurance cover if there is any accident i have made?
Answer:
Answer by daddyporky@verizon.net
yes by all means buy the insurance… they can sue you.. that insurance covers you for collision and libality… the extra price is worth it .. if you damage that car or someone lets say scratches it or puts a dent in the door you are liable…. when you rented the car with all that paper work you AGREED TO PAY FOR DAMAGES.. ok buy it..
What do you think? Answer below!
Only if she’s listed on your policy or underage.
Yes. She’s your legal dependent – because she’s on your health insurance, AND she lives with you.
I actually had a client who ended up filing a claim with his umbrella liability policy – his 26 year old son, who lived with him but had his own car in his own name with his own insurance, injured someone past the policy limit. Dad was sued, and lost, and the umbrella paid out $1,000,000.
Now, will your CAR insurance pay out? Probably not, because your car insurance policy won’t pay for an accident involving any car owned by or operated by a household member, that isn’t listed on your policy.
That’s why, putting the car in the kids’ names with minimum liability, while they live at home and/or are minors, isn’t a smart idea. Saves you a few bucks on insurance, puts your assets at risk if there’s a serious accident.
If you have an umbrella liability policy, file a claim with them. You’re probably going to need it.
Liability coverage does not stack.
They would not be able to come back against your policy. The person would file an under-insured motorist claim against their own policy.
The only time liability coverage stacks is this:
You own the car and have it insured under your own policy. Your daughter (who has her own separate policy) borrows your car and causes an accident. Then the liability from the car would pay first and the liability from your daughters policy would come in and pay after that.
But in a situation where your daughter owns her own car under her own policy but lives in your household – your liability coverage would not come into play. Where this confuses people, is that liability would not stack But…..if the accident were covered under Uninsured Motorist or Under-insured motorist…depending on state law…your policy could come in after your daughters car policy.
The only other way your liability coverage would come in- is if you were negligent in your own right. Such as for negligent entrustment. Then the person could come after you for your negligence.
Your best bet is to call your insurance agent. He/She knows the language in your policy and could best advise you.
**not legal advice. Only a lawyer can give legal advice.
Your car insurers have no duty to cover your step daughter she is not on the policy. She may well be on your health insurance but I do not think this will cover her for third party injuries in a road traffic accident . It would be to say the least unusual if it did. So it is all down to your stepdaughter
Your policy will not pay; it only covers your car.
If she is a minor you are legally responsible for the damages and can be personally sued for the excess damage. If she is not a minor you bear no responsibility. She will be sued for the excess..
no, only if she was driving your car
She is not on your insurance,therefore it does not cover her.The other party will have to continue its claim against her insurance as there should be NO limits on a third party claim ,only limits are on the policy holder,they are conning her.Should they refuse ,then it is to be referred to the Ombudsman ,who will make a ruling.Failing this,they can proceed with a civil claim against your daughter.
No, you don’t need the insurance a rental company tries to sell you. Just understand that if something happens to the rental, you (your insurance) are responsible. This means paying your whatever your insurance deductible is.
But since CDW (collision damage waiver) is about $20/day on top of the rental rate, if you rent a car for ten days, you’re out $200. If you have a $500 deductible, did you save that much? No.
It’s profit for the rental company if you don’t use it, possible profit for you if you do ding up the rental.
You are covered in any car you drive, by your insurance. Check your policy and state laws.
Ok. You have asked 2 different coverage questions here.
Let me answer the first one. No you do not need to purchase the car rentals insurance. They will tell you that you need there rider insurance as your insurance company will not pay for the cars rental while the car is being fixed. That is bunk. You have a deductable regardless if you are the guilty party. If you are hit by someone else then there insurance company pays the rental fee loss.
Now for question number 2 if you are driving another person car you will need to look up on your auto insurance policy to see if you are cover or ask the agent.
(please see your coverage for all answers above)
you don’t need rental car insurance. you can take it, but for the most part, its just another way for the car rental firm to make more money. if you don’t take the rental insurance and you do have an accident, the claim will be filed your car’s insurance.
if you are driving someone else’s car and have an accident, it may not be covered since you are not an insured driver under that vehicle
Your policy only covers your vehicle and the the drivers of said vehicle. Other specified drivers can be named on your policy (like a spouse, parent, room mate etc..). The insurance does not carry over to other vehicles unless you include another vehicle on your policy (second car, child’s car). You will pay for coverage on each vehicle that you have designated to the policy.
If you are looking to rent a car for travel purposes, the lease will include a charge for for the insurance coverage of the vehicle that you’re renting. Companies like Hertz, have deals with insurance companies to pay a flat rate for their rental cars. The amount of coverage that you will pay depends on the amount of travel or time of lease. Again, this surcharge will be included in your rental fee.
If you drive someone else’ car and have an accident, the insurance of the owner or policy holder of that vehicle will have to cover the damage. Again be careful, because while a few states offer policies in which any driver of a vehicle is coverered, most states require you to list the names of drivers on your policy. If a listed person has a lot of violations or is a high-risk driver, having them on your policy will cost you more.
* It is true that in states that do not require auto insurance, you are free to opt out of the insurance offered by the leasing company; however, if anything happens to the vehicle, you are financially liable. If you’re spending the money to lease a vehicle, then the extra $10-20 daily coverage is certainly worth the expense and will save you the hassle of taking out year long rental coverage with your own insurance co. After all, how many times throughtout the year do you find yourself renting a vehicle?
When you rent a car, you have to have full coverage on the care that you own (your personal vehicle) and then that will automatically carry over to the rental. If you do not have full coverage you can add it to your existing policy for the amount of time you’ll be renting the car OR just buy the insurance from the rental place. And to answer your other question, no your policy will not cover somebody else’s car just because you’re driving it. Insurance covers vehicles, NOT people, even if you were in an at fault accident, your friend/relative’s insurance would have to cover that loss.