Lets say I gave my car to my buddy to drive. He is not a driver under my policy and had an accident.
Does insurance company pay my claim?
Answer by smiling_freds_biz_info
Maybe you should ask your insurance company.....be sure to keep good notes.
Answer by SmartA$ $
it should, but they will try to get compensation from his insurance company, or if he's not insured they may try to sue him to make him pay them back.
It depends on your coverage though, you really need to ask your insurance agent what coverage you have and/or review your policy, it could vary by company and by state (state law may affect how insurance companies handle this situation)
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Answer by Gambit
As long as he has a valid licence for the class of vehicle he is borrowing, and he is not a member of your household or a regular operator of the vehicle, yes he is covered.
If he does not have a valid licence, no the claim is not covered.
If he does have a valid licence but is a member of your household and/or a regular operator of the vehicle, then it depends on your insurer. Some may deny the claim and void the policy. Some may pay the claim and add them as a listed operator. It depends on the circumstances.
Answer by kt
his insurance is primary. he doesnt have insurance, then call your agent and ask. if you have cheep-o coverage, you may not have any coverage.
Answer by Insurance
Yes! it is covered provided
1. he is driving your car with your permission
2. he has a valid driving license
3. during the accident he is not under the influence of alchohol or drug
3. during the accident he is not violating any law (ie robbery and etc)
4. check the policy
Answer by mbrcatz17
What's YOUR claim for? Collision on the car? Sure, if you have collision, subject to your deductible. You don't have any BI or lost wages, so there isn't any uninsured motorist BI claim.
SOME states have an uninsured motorist collision coverage - which would cover, subject to any deductible.
You need to discuss this with YOUR agent, to see what state specific coverages you have.
Answer by sillyoleme
I think the law differs from state to state. Here in Kentucky, the primary insurance is the policy on the car itself, and not the specific driver. Like other people have said, as long as he has a valid license, and your permission, and isn't doing anything unlawful, he should be covered.
In our state, we tell policyholders "you loan your car, you loan your insurance." So be careful who you loan your car to! Also, you should check your coverages to see if they include collision coverage for uninsured or UNDERinsured drivers. With all the companies out there keeping people "legal for less", there is a chance that you'll be hit by someone whose insurance won't pay to get you off the scene of the acccident.
Answer by Phil
Since your question is vague, I take it you are talking about compensation for damage to your vehicle.
It doesn't matter that your buddy isn't listed as a driver on your policy as long as he isn't a household resident. He would have coverage as a permissive user.
If he wrecked your car, and was at fault for the loss, your insurance company would pay for the damage to your car if you have collision coverage. This would cover the damage minus your deductible.
Answer by Luke D
Unless you have signed a Name Driver Exclusion form on your buddy, yes it would be covered as long as he has your permission to driver the car. If he got in an accident, your insurance company would look at it as a lending loss.
What do you think? Answer below!
Orignal From: Can I get full compensation from the insurance company in case of an accident caused by an uninsured driver?
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