Great topic. Good friend helped me drive back a new to me used vehicle 2 states away which I added to my insurance. Permissible use allowed friend to drive my car; if accident, it would 1st use his insurance (he has lesser limits); anything not covered enough would be applied to my insurance. Thankfully all went well. It is wise to get informed in advance. With some insurance co.'s not writing new policies, had to pay for 2nd car before selling first one, or insurance would be dropped completely.
@cazarilolsen46303 жыл бұрын
I always wondered about this issue.
@DudeItsSpencer3 жыл бұрын
You are one of my favorites. You provide information that is that absolutely helps. I remember looking for a insightful and analytical approach to an insurance issue, enter you. Thank you for all the great content
@ThinkInsurance3 жыл бұрын
You’re welcome ☺️
@Johe4510 ай бұрын
I let my friend borrow my car, he crashed and my insurance went up. I talked to multiple people at the company to try to see how much extra money this crash is going to cost me so my friend can pay me back and they said they couldn't answer that and it could be anywhere from 200-900 extra a year...
@nedlaurence2933 жыл бұрын
Very informative video!
@guocity Жыл бұрын
what about turo, turo also have it's own insurance, so is it still vehicle insurance first?
@Tekevin10 ай бұрын
What if the at-fault driver doesn't have enough insurance? Would the driver be able to claim underinsured motorists under the vehicle if the owner let them drive it?
@vanessamartinez70435 ай бұрын
My husband was headed to work he had the right of way to make a right turn as he was making the turn another driver going straight ran the red light causing him to slam into my husbands brand new car that he has only had for 3 weeks on the driver side. The owner of the vehicle has insurance but the driver who was at fault maybe excluded from the policy. What happens if the at fault driver is excluded from the vehicles owners policy and at the fault driver doesn’t have insurance of his own?
@JESUSD67652 жыл бұрын
I sold a vehicle and the person wrecked it , they didn’t register it, drove with my plates, now an insurance company wants me to pay 2800
@ThinkInsurance2 жыл бұрын
They want you or your insurance to pay for it? If you have a bill of sale and took off your policy (you should have taken the plate too) then I doubt they have a leg to stand on. They’re defaulting to you because of him not registering it. Just gotta CYOA
@vicmontes77712 жыл бұрын
In California- if I lent my car out to a family member and they were hit by a red light runner. My family member has their own car insurance but I just found out that my car was changed to only liability a week before getting hit. Will the family member insurance cover any of the accident.
@thehappygolucky23912 ай бұрын
Hi, i have a question. My dad got an accident with my wife and son. My father is not on the list of insurance but his address is same as mine for mailing purposes and he just back in the state before the accident happened. Progressive denied my claim. Is there any chance that i can appeal? Or what will i do so they will consider my claim. Because my father is only visiting for a while not permanently and he just drove that car when the accident happened. Please help me.
@curtp8105 Жыл бұрын
Please help! I let a friend drive my truck to the parts store. He backed into a truck in the parking lot. They want to go through my insurance it was my truck. I don't want this claim on my policy. (Not my fault) If I claim my friend did not have permission to take my vehicle will this go to his insurance? If so, what are the negatives I could face from that? "Accidentally" letting my friend take my vehicle...
@ThinkInsurance Жыл бұрын
It depends on the state your in but even if it goes through your insurance, most companies will let you unrate claim because you were not the driver. You can check with them but if your friend didn’t have permission, your insurance could sue them or seek legal action against them more so than just go through their insurance. It’s theft if they didn’t have your permission
@lindab48753 жыл бұрын
Have you heard of Trumbull ins. Tell good insurance drivers over 55? Thanks!
@ThinkInsurance3 жыл бұрын
I haven’t researched them but I do know the Hartford owns them as the parent company
@PantherSteven2 жыл бұрын
Very informative video. Are you an attorney? I live in FL and just received a denial letter from the at fault driver's insurance that rear ended my car on the expressway going about 5MPH due to traffic flow. The letter states it's an unlisted vehicle. Pls let me know if your an attorney for hire.
@ThinkInsurance2 жыл бұрын
Sorry, I’m not. FL is one of the states where you won’t have trouble finding a claims attorney. :0)
@yoogotti46932 жыл бұрын
Hey I’m in the same situation but in California how did it work out for you
@yoogotti46932 жыл бұрын
Hey I’m in the same situation how did it work out for you
@pablo3792 жыл бұрын
Hey I recently got into an accident in my friends car, I live in Florida, we were on our way to Miami for a trip and as we were in the highway it started to pour rain and the car slipped off the road and we hit a bunch of bushes and debris, no one was hurt, but I’m curious to know how this is gonna pan out for me? The car is a 2020 Corolla
@ThinkInsurance2 жыл бұрын
If you/he claims it, you will get an at-fault accident on your record. I believe in FL it stays for 3 years. If you have insurance yourself and your insurance pulls the claim, your rate will go up. Technically your friend’s insurance will pay it if covered or they might have your insurance pay. You won’t know either way, they’ll just take care of that part in the background
@vicmontes77712 жыл бұрын
I’m in California- My family was driving my car and was hit by a red light runner. I just found out that my car insurance was changed to only liability a week prior and no longer carry collision. If my family member has their own car insurance (full coverage) weill they be able to use their insurance to cover the car.
@sendit32512 жыл бұрын
So what ended up happening?
@hilallion8 ай бұрын
I was sick I let my friend drive my car, he dropped me off, and parked the car, when he went to get the car from the parking lot he got involved with the small accident hit the bumper from the back whic has small dent, I wasn't in the car in that moment. The police got involved old lady said doesn't need ambulance and everything was fine. Till I heard she is claiming with her insurance medical claim also, she was fine and refused to have ambulance and said to the police she is ok. Unfortunately now they are getting ready to claim medically, I am very disappointed, out of nothing they are trying to get advantage. This issues happening in New Jersey. My insurance company Travellers, also my insurance company said won't renew my policy, please advise
@ThinkInsurance8 ай бұрын
See if they’ll non rate the claim off your record because you were not the driver. It’s a possible fix for them non renewing you. If they say no, you’ll start looking for new insurance about a month before your effective date/policy ends.
@drrobotnikmeanbeanma Жыл бұрын
Is it possible that the person that took someone's car and the owner told them no.Can the person get sued for taking the car even if you told them no ?
@ThinkInsurance Жыл бұрын
Yes, you could sue them if they stole your car
@drrobotnikmeanbeanma Жыл бұрын
@@ThinkInsurance ok but how do I go about doing that ?
@ThinkInsurance Жыл бұрын
If you were affected or injured or they caused damage to the car, you would hired a standard lawyer. You’ll need to research which lawyer would be best for your situation. I’m not knowledgeable enough to give you advice beyond that.
@B_ay90911 ай бұрын
What if neither one of us had insurance
@hilallion8 ай бұрын
I was sick I let him drive my car, he dropped me off, and parked the car, when he went to get the car from the parking lot he got involved with the small accident hit the bumper from the back whic has small dent, I wasn't in the car in that moment. The police got involved old lady said doesn't need ambulance and everything was fine. Till I heard she is claiming with her insurance medical claim also, she was fine and refused to have ambulance and said to the police she is ok. Unfortunately now they are getting ready to claim medically, I am very disappointed, out of nothing they are trying to get advantage. This issues happening in New Jersey. My insurance company Travellers, also my insurance company said won't renew my policy, please advise
@abdullakhonazimov56989 ай бұрын
My friend barrow the car and totalled car and its his fault. How I do in this case how i can be not responsible on this case. Is it any chance if i fight will win? Thank you
@ThinkInsurance9 ай бұрын
The claim can get removed from your name with most companies since you weren’t the driver. You’ll just call them and request to have it fixed if it affects your renewal. If not, you may have to shop.
@TrenchGuwopfrm Жыл бұрын
Please answer asap
@TrenchGuwopfrm Жыл бұрын
Ok so what if I crashed and when the cops came me and my friend said it was him but now he has got a letter he was going to get sued but after a while they sent his dad a letter that he was going to get sued so what should I do about that they gave him a court date for it now aswell
@ThinkInsurance Жыл бұрын
You need to consult a lawyer for this situation. I believe they are your best option
@kinggamer2007 Жыл бұрын
My friend let me drive my mom car and when crash into a house can they sue me
@tpioneer2 жыл бұрын
Hey please help me, I have liability insurance with Geico in California, a friend of mine borrowed my car and rear ended someone very minor hit, my friend has an out of state drivers license but she has been living in CA for a while, will my insurance cover this claim? I have been reading the policy and other documents back and forth many times, can't figure it out!
@ThinkInsurance2 жыл бұрын
It’s called permissible use. Unless they are excluded from your policy and if you have collision coverage, you should be covered.