Comments on: If A Friend Is Driving Your Car And Wrecks It, Can They File It On Their Insurance?

By: Sarah D

Sarah D — Thu, 25 Feb 2010 08:28:59 +0000

Probably not because the person was driving the vehicle at your request. They were on a mission for the owner. If your friend had asked to borrow your vehicle for their own purpose and had an accident the correct thing to do would be to file under the driver’s insurance first and whatever that did not cover would be the owner’s responsibility. Note, the previous statement may vary in some states due to insurance laws. I believe in all states however this would be filed under your policy. Just a note also, the insurance company is not suing you — they are collecting reimbursement from the other insurance company. This can happen even if your name is on both policies. Good luck!

By: Anonymous

Anonymous — Thu, 25 Feb 2010 01:47:59 +0000

NO. it is your car it is under your insurance hence they cant do it

By: David L

David L — Thu, 25 Feb 2010 00:58:53 +0000

No, no and no.

By: Kizzy

Kizzy — Thu, 25 Feb 2010 00:29:19 +0000

Why would he, you gave them permissive use to drive your vehicle. Insurance follows the vehicle not the driver.

By: JOSHUA R

JOSHUA R — Wed, 24 Feb 2010 19:49:39 +0000

I am not gonna say that I am totally sure about the answer.it is really depending on the personal feelings.thus it would better for you to try to find the best answer yourself.Here http://www.Autoinsurancepro.info/auto-insurance-free.htm is a good resource for reference though.

By: ipi4u

ipi4u — Wed, 24 Feb 2010 15:18:35 +0000

if you were hit from behind, it would be the driver’s fault that hit you. Report the accident to your insurance company and let them sort it out. Ultimately, your driver would need to compensate you for the accident. Any time someone is hit from behind, it is the other car’s fault for following too closely.

By: Anonymous

Anonymous — Wed, 24 Feb 2010 10:28:19 +0000

No, since insurance goes with cars, not drivers, anyone with permission to drive your car is also using your insurance policy. And as you said, you can’t collect from yourself. If you have collision coverage you could make the claim there, less your deductible amount.
And why are you using two different companies instead of one and getting the multiple car discount? You are paying way too much that way.