The liability insurance is under my name. My brother was driving my car and had an accident, Now what??!!!? - school liability insurance
I have insurance under my name. Last week, I lend my car to my brother for him to get my son to school because she was sick that day. On the way to school, he ran a red light and my car is now complete. I have not been recorded because it is not the driver, or am I screwed? What I do, I've never been in an accident, so do not know what to do.
School Liability Insurance The Liability Insurance Is Under My Name. My Brother Was Driving My Car And Had An Accident, Now What??!!!?
5 comments:
I've never understood why the people here to answer questions and to say:
Its your car is insured .. not the pilot!
!!!!! NOT TRUE
It depends on what the insurance is first, that each insurer's own policies.
If your policy has "permissive use" endorsement on their policies, this means that a driver who does not assessed in their policies and not with you live in the same direction, and is not specifically excluded your insurance covers the part of the responsibility for approving an optional rider.
If you do not use freely, it would fall if your brothers do not contain name!
You should contact your agent or company and find out.
Moreover, as the damage to his car is the same principle.
You need a collision deductible on your policy and the liberal use must be covered.
Read the contract carefully. The company has a clause which is not unexpected expenses, such as that experienced
. Unless the contract is covered only by the so-called third parties. This is the minimum coverage you may have. Since the car in the commission of a traffic offense has been destroyed, I see he has a claim against the company for all damages to his car. Are you in court the claims, the other against him for the accident and considered that the red light if I do not see what it would have to defend to defend.
We thank God that her son was not in the car yet! I am sorry for you. We can choose our friends, but we are stuck with our relationship!
depend on the conditions of your policy, but usually binds to a person but as a vehicle (you can use a certain vehicle or vehicles covered the person for the device specified). I suppose what you say is your brother clearly does not insured.Of your policy can damage your vehicle in a variety of circumstances (full insurance), such as damage to 3, could be treated here cover.
The best thing to do is check the policy document and / or contact your insurance company, and at worst, they will tell you that there is no coverage at best, it pays to cover all the loss ..
Your insurance covers, so that everything but their vehicle. It will pay for any damage, but nothing in his vehicle. In order to be fully insured would have to have a comprehensive policy. Liability insurance is the minimum that is required by law, preserve, protect to protect other people for the damage they can do, but not your car.
Unless your brother is specifically excluded under their insurance to cover your liability insurance for damage to any other party. But unfortunately, does not apply to your vehicle, do not have collision coverage. Contact your insurance agent, and you can tell what your insurance covers and how best to proceed.
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