I recently let my son-in-law borrow my car without telling me, and he ended up in a minor accident. The accident was not his fault, but it was still a surprise to me. The insurance company was not happy with this situation, and now I am facing a higher premium than I would have expected. Here are a few things to remember.
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There are times when you might need to borrow someone’s car, but if you do not want to get into an accident, you need to make sure they have insurance coverage. Uninsured drivers can cause damage or even injuries, and your insurance policy may not cover the damage. This is where an excluded driver clause can help you. If you have an owner-only insurance policy, you can exclude certain drivers from your insurance coverage.
If your policy covers uninsured drivers, you can get some money back. If the uninsured driver is a guest, your insurance will only cover the damages they cause if you’re the one at fault. If you’re the driver, you’ll need to pay out of pocket if the other driver is uninsured. For example, if your son-in-law borrows your car without telling you and hits someone else, you won’t get any money. You can ask him to purchase his insurance policy or put him on your excluded drivers list. However, it’s wise to be extra careful with whom you let drive your car, and ensure that he has a good driving record.
If you have a policy, you may be able to get a higher car insurance rate for an excluded driver. If your son or daughter is a high-risk driver and has a bad driving record, you may want to consider excluding him or her from your policy. However, it is not always possible to exclude a driver completely. In some states, the insurance company may still cover the car accident if you do not add him or her to your policy.
One way to find a cheaper policy for an excluded driver is to shop around. Some insurance providers do not require exclusions, and you can compare prices for different providers.
Let’s say a friend comes to visit from out of town and asks to drive your car. Your insurance policy probably allows other people to use your car if you give them a pass and tell them to drive it responsibly. What happens if the person causes an accident? Your insurance may pay for the damages, up to your policy limit. However, if the person is not licensed to drive, your insurance may not pay for anything.
First, determine who can be legally responsible for the damages caused by the accident. It may be difficult to prove that a stranger had permission to drive your car without telling you. If you are not sure, talk to your insurance company. They will usually cover the damages in case of a minor accident.
The importance of obtaining a police report after an automobile accident cannot be overstated. Even if the accident was minor and neither party was at fault, it is important to have a police report in case a lawsuit later comes up. The report is a written account of the event that details the physical evidence at the scene. In addition to the drivers’ statements, it includes observations about the weather and other conditions.
The report should include the date and time of the accident. If there are injuries, make sure to take photos and take notes. If possible, you should also talk to witnesses to the accident and collect their contact information.