Who is responsible?

Triple · 06-03-2009, 01:43 PM

...

wildchild · 06-03-2009, 01:49 PM

does the girl have insurance of her own on a vehicle or is she on her mother's policy? if so they may want her insurance to cover the car, they will pick up the extras if any. if not she is considered an uninsured driver and he has no claim.

shmike · 06-03-2009, 01:55 PM

Mr. Hand got right.

It depends on if she lives with him.

You can loan your vehicle to another licensed driver and they will be covered on your insurance if they don't have thier own.

Because it is most likely that you'd loan your vehicle to someone at home, other licensed drivers in the house are supposed to be listed with the insurance provider so that they may be added to the policy if necessary.

ericr · 06-03-2009, 01:51 PM

Who's his insurance with?

My insurance covers ANY licensed driver, most do, unless they are listed as "not allowed" to drive the vehicle (my niece who lived with us for a while and her record was horrific, could not drive any vehicle in the houshold).

Other than that I can't help.

the chi · 06-03-2009, 01:56 PM

Quote:

Originally Posted by wildchild

does the girl have insurance of her own on a vehicle or is she on her mother's policy? if so they may want her insurance to cover the car, they will pick up the extras if any. if not she is considered an uninsured driver and he has no claim.

I agree with this. If she is driving legally, her mother has to have insurance on her, he may be able to go that route, but it could be ugly for the relationship...

He needs to read the fine print in his policy, because often times they state coverage includes you and any other driver (whether on your policy or not) OVER the age of 25. My policy is like that, and for that very reason I do not allow anyone under the age of 25 to operate any of my vehicles, nor would I ever loan it out.

Yamerhaw · 06-03-2009, 01:57 PM

His basic liability insurance should cover the damage done to the other person's vehicle, but they may not have to cover the damage to his own...i mean thats what liability is for: the damage "your vehicle" does to other property shouldnt matter who is driving....but as far as the collison aspect of his insurance , it may very well not cover his own vehicle since she was not listed on the policy,.. however i'm sure all states are different

Corey · 06-03-2009, 02:28 PM

Depends on how his insurance is written and who it's insured with. If his coverage specifically states that coverage is only provided to listed drivers, then he's going to have a hell of a time getting payment through his company if they've already determined that there is no coverage.

Really, he's going to have to look at the wording of his insurance contract to determine if he has a leg to stand on. It sounds like, since his claim has been denied already, he has a policy that only covers drivers who are specifically listed on the policy, and the person responsible for paying for damages will be him.

askmrjesus · 06-03-2009, 02:59 PM

Quote:

Originally Posted by Yamerhaw

His basic liability insurance should cover the damage done to the other person's vehicle, but they may not have to cover the damage to his own...i mean thats what liability is for: the damage "your vehicle" does to other property shouldnt matter who is driving....but as far as the collison aspect of his insurance , it may very well not cover his own vehicle since she was not listed on the policy,.. however i'm sure all states are different

I'm just guessing, but I don't think the deer's car was damaged...

JC

CrazyKell · 06-03-2009, 03:06 PM

In Canada she would be considered covered since he had given her verbal consent to drive the vehicle.

I double checked this when a boyfriend was visiting and could potentially be driving my car.

Not sure in the states.

Papa_Complex · 06-03-2009, 03:22 PM

Quote:

Originally Posted by CrazyKell

In Canada she would be considered covered since he had given her verbal consent to drive the vehicle.

I double checked this when a boyfriend was visiting and could potentially be driving my car.

Not sure in the states.

He didn't live with you, so it wasn't an issue. Family are a different story.

06-03-2009, 01:43 PM	#1
Triple uncomfortably numb Join Date: Nov 2008 Location: JOH-JAH! Moto: WR250R & Bonneville Posts: 409	Who is responsible? ... Last edited by Triple; 07-20-2009 at 02:10 PM..

06-03-2009, 01:57 PM	#6
Yamerhaw Country Boy Join Date: Nov 2008 Location: Hicktown in NC Moto: 07 R1 Posts: 797	His basic liability insurance should cover the damage done to the other person's vehicle, but they may not have to cover the damage to his own...i mean thats what liability is for: the damage "your vehicle" does to other property shouldnt matter who is driving....but as far as the collison aspect of his insurance , it may very well not cover his own vehicle since she was not listed on the policy,.. however i'm sure all states are different __________________ “If trees could scream, would we be so cavalier about cutting them down? We might, if they screamed all the time, for no good reason.” It takes a big man to cry, but it takes a bigger man to laugh at that man.

06-03-2009, 02:28 PM	#7
Corey AMA Supersport Join Date: Nov 2008 Location: Florida Moto: Not a damn thing Posts: 2,612	Depends on how his insurance is written and who it's insured with. If his coverage specifically states that coverage is only provided to listed drivers, then he's going to have a hell of a time getting payment through his company if they've already determined that there is no coverage. Really, he's going to have to look at the wording of his insurance contract to determine if he has a leg to stand on. It sounds like, since his claim has been denied already, he has a policy that only covers drivers who are specifically listed on the policy, and the person responsible for paying for damages will be him. __________________ Half man, half horse, half motorcycle. All awesome. "Your game is shit, your company is shit. Activision ruined you! Activision ruined you." - Francis

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06-03-2009, 01:49 PM	#2
wildchild cruiser Join Date: Nov 2008 Location: on the run Moto: '09 HD superglide, 16 Yamaha FZ 09 Posts: 2,749	does the girl have insurance of her own on a vehicle or is she on her mother's policy? if so they may want her insurance to cover the car, they will pick up the extras if any. if not she is considered an uninsured driver and he has no claim.

06-03-2009, 01:55 PM	#3
shmike Follower Join Date: Nov 2008 Posts: 5,549	Mr. Hand got right. It depends on if she lives with him. You can loan your vehicle to another licensed driver and they will be covered on your insurance if they don't have thier own. Because it is most likely that you'd loan your vehicle to someone at home, other licensed drivers in the house are supposed to be listed with the insurance provider so that they may be added to the policy if necessary.

06-03-2009, 03:06 PM	#9
CrazyKell Vrooom Join Date: Nov 2008 Moto: 06 ZX6R Posts: 4,427	In Canada she would be considered covered since he had given her verbal consent to drive the vehicle. I double checked this when a boyfriend was visiting and could potentially be driving my car. Not sure in the states.