Insurance question

[Bigrick31 10+ year member]

So lets say a friend and myself want to trade vehicles for a day or so. we both have ful coverage insurance on are vehicles. what would happen if he or I got into an accident while in the others vehicle? would the insurance company cover it and if so whos insurance? would that sinario be considered illegal since neither of are on the others pollacy and therefore be seen as driving without insurance?

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[cpierce 5,000+ posts]

Ehh, I don't know. Insurance companies will find almost any way to get out of forking over money. If you aren't on his policy and vice versa, I would think that if you wrecked his vehicle then his policy wouldn't cover it...but again I don't know for sure, just throwing things out there.

 

[ToyTundra 10+ year member]

i would guess your ins. would help you out if you hit someone else while in your friends vehicle, but they would leave your friends vehicle broken and your rates would skyrocket. but i'm no insurance expert

 

[MikeofTulsa Moderator]

depends on your policy, some policies cover other drivers with your permission, some dont. call your insurance agent and ask him?

 

[K3VIN 10+ year member]

along time ago i saw a commerical about farmer insurance, they let u do that..but of course u have to buy that coverage

 

[iceteebone 5,000+ posts]

call the insurance company. some policies don't cover other drivers under 25. a lot of loopholes and differentiating policies that people on ca.com can't answer

 

[Rochambeau 10+ year member]

Read your insurance policy, perhaps ?

****, I am an insurance agent and *I* find those **** things daunting. Most agents I know can't even effectively read an insurance policy. I had some specific training doing it when I was in claims, so I am lucky.

To the original poster, I am guessing that you live in California because your location says Mid*Cal.

Rule of thumb, in CA the policy on the car pays first, followed by the policy on the driver if the policy on the car doesn't have sufficient coverage to cover all the damages. If you guys are/were roommates, be careful that you are not specifically excluded (by name) from each others policies.

Best advice is to call your agent but keep in mind that some agents don't know what they are talking about, sad but true. If you don't have an agent, call the company. MOST agentless company reps don't know what they are talking about when it comes to coverage issues. Be sure to get the name and number of the person you talk to and if they say everything is covered, write them a letter confirming that. That way, if something happens and it is NOT covered, you can whip out the letter. Their word is binding on the company if you rely upon it and suffer an uncovered loss as a result.

While you are on the phone with them, make sure they don't limit the $$$ they will pay for custom equipment (like stereo equipment). If they do, schedule the equipment (if they will let you) or switch companies.

 

[4runnercrazy 10+ year member]

call ur insurence......and ask?

 

[PatFitz9 10+ year member]

depends on the policy, my insurance covers me in any car i drive. the driver in the accident is the insurance that counts