- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Coaching Changes
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
re: Accident assistance
Posted on 2/20/19 at 8:43 pm to HarveyBanger
Posted on 2/20/19 at 8:43 pm to HarveyBanger
Correct. If it was his dads vehicle he doesn’t have to be listed on the policy as an insured, addl insired, etc., he just has to be a permissive user of the vehicle and not a specifically excluded driver. But if you didn’t have any physical injuries, this is pretty much up to your insurance company to pursue in their subrogation claim.
0
Posted on 2/20/19 at 8:49 pm to Skippy_
Your not getting the full story as to why the claim was denied. The father probably didn’t have insurance on it either then.
Like the previous poster said your not injured and your insurance carrier already made you whole for the total loss of your vehicle. The only thing your out here is your deductible.
It’s up to them to pursue their subro claim and get their money back whatever way they see fit. Typically the first money they receive back would go to you for your deductible.
Like the previous poster said your not injured and your insurance carrier already made you whole for the total loss of your vehicle. The only thing your out here is your deductible.
It’s up to them to pursue their subro claim and get their money back whatever way they see fit. Typically the first money they receive back would go to you for your deductible.
Posted on 2/20/19 at 9:22 pm to Skippy_
Its called “auto insurance” not “driver insurance”. Coverage applies to vehicles on the policy regardless of who was behind the wheel at the time of the accident UNLESS the person who was driving was specifically excluded from the policy, which is a possibility if the son’s driving record was an issue and would’ve made dad’s insurance costs higher. But if dad excluded the son, then the son shouldnt have had the keys
This post was edited on 2/20/19 at 9:24 pm
Posted on 2/21/19 at 11:45 pm to Tiger Prawn
So are rental cars an exception then? Why is my auto insurance cover a rental car and the rental cars are not insured?
What if I have insurance but I drive my friends truck and unbenounced to me he doesn’t have insurance? I’m not covered?
What if I have insurance but I drive my friends truck and unbenounced to me he doesn’t have insurance? I’m not covered?
Posted on 2/22/19 at 8:38 am to baldona
quote:
So are rental cars an exception then? Why is my auto insurance cover a rental car and the rental cars are not insured?
Commercial policies are a little different than personal ones. I forget all the legal mumbo-jumbo on it. If your friend has a company car and lets you borrow it and you wreck it, it's likely the carrier won't cover the claim. Or they'd cover it, then drop the coverage.
quote:
What if I have insurance but I drive my friends truck and unbenounced to me he doesn’t have insurance? I’m not covered?
This situation varies from state to state. In most states your coverage would cover the liability(if it was your fault) and injuries, but not the damage to your friend's truck. If my memory is right. It's been several years since I was an adjuster.
Page 2 of 2
Popular
Back to top
Follow TigerDroppings for LSU Football News