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Posted on 8/4/20 at 7:54 am to Tyga Woods
quote:
The car is insured, not the driver.
If this is true, why did my daughter have to have insurance before she could legally drive one of the 2 cars I owned when she first got her license? Both CARS had insurance policies. My wife and I drove them.
Posted on 8/4/20 at 9:43 am to Boudreaux35
quote:This is more likely an underwriting issue, and different insurers handle this in different ways. There's two parts to this problem. In general, people, whether they have insurance or not, are covered by the insurance on the vehicle if not owned by them, and are using the vehicle with the owner's consent. See mandatory omnibus insurance coverage. OTOH, insurers want and need to know who all is a member of your household. Some may deny coverage for a daughter if not disclosed as a material misrepresentation.
If this is true, why did my daughter have to have insurance before she could legally drive one of the 2 cars I owned when she first got her license? Both CARS had insurance policies. My wife and I drove them.
Posted on 8/4/20 at 10:09 am to AlxTgr
quote:
The damage to your vehicle will be covered if you purchased the appropriate coverage.
First, this was not me. My car was not stolen. This was a question I was asked today.
quote:
There will be no available insurance for any damage to third parties caused by the thief.
This is what their insurance told them. That is why they are worried about being sued by the people the thief ran into.
This post was edited on 8/4/20 at 10:27 am
Posted on 8/4/20 at 10:18 am to RockyMtnTigerWDE
quote:
Some states hold the owner of a stolen vehicle liable when the owner’s negligence made the theft a foreseeable consequence.
CSB - Many years ago (like early 80s) had an uncle who's car was stolen from his apartment complex. Uncle had started car and left running to warm it up in winter and went inside to get kids, etc. Some jackass stole it, wrecked it, and then the person who was hit by thief basically tried to say he was liable under theory of negligence for leaving keys in a running and unlocked car. Don't think it went very far, I just remember him bitching about it and how it wasn't his fault.
Posted on 8/4/20 at 10:20 am to ItTakesAThief
quote:
The thief’s insurance will not pay, even if he has insurance, the thief does not have permission to drive the car so it will not qualify to be covered under that policy.
quote:Username checks out
ItTakesAThief
Posted on 8/4/20 at 10:21 am to Janky
quote:Would get thrown out in court
That is why they are worried about being sued by the people the thief ran into.
Posted on 8/4/20 at 10:24 am to Janky
quote:
This is what their insurance told them. That is why they are worried about being sued by the people the thief ran into.
They don't need to worry. Their insurance will provide representation for them if a suit is brought against them.
Posted on 8/4/20 at 10:27 am to Janky
(no message)
This post was edited on 8/4/20 at 10:29 am
Posted on 8/4/20 at 9:29 pm to Janky
quote:I didn't think so. My answer was meant to be generic.
First, this was not me. My car was not stolen. This was a question I was asked today.
quote:They have no worries. They are not responsible for the thief's actions.
This is what their insurance told them. That is why they are worried about being sued by the people the thief ran into.
Posted on 8/6/20 at 2:49 pm to KemoSabe65
quote:
Nope, UM is for bodily injuries sustained that are over the liability limits of the third party drivers coverage. UM does not cover damage to autos Unless you don’t have comprehensive and elect to purchase UM property damage coverage ($15 per year on avg).
Yes, when I say it is a UIM claim, while in LA it might not fall under specific UIM coverage, it still goes down as a UIM claim whether it falls under comp, collision, or UIM coverage depending on your laws. That's what I meant to convey with what I said, it falls in some fashion as a UIM(UnInsured Motorist) claim.
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