car insurance question

[rh71]

My wife lets her brother borrow her car but the car is only under her (and my) name. Her brother doesn't live here either. If he did, they require that his name be on the insurance since he's a possible driver.

Anyway, would he be covered somehow in the event of an accident (liability only) ? Not sure how it works in situations like this.

 

[FoBoT]

my insurance company says in the policy to not loan out the cars covered. read the policy

 

[rh71]

Originally posted by: FoBoT
my insurance company says in the policy to not loan out the cars covered. read the policy

it's interesting how so many people lend their cars to their friends for a quick trip out... wouldn't that basically be the same as driving without insurance ?

 

[MikeMike]

no, then its your own insurance paying for the damage, you pay the increase in the premiums etc. as far as i know.

 

[sixone]

Originally posted by: rh71
My wife lets her brother borrow her car but the car is only under her (and my) name. Her brother doesn't live here either. If he did, they require that his name be on the insurance since he's a possible driver.

Anyway, would he be covered somehow in the event of an accident (liability only) ? Not sure how it works in situations like this.

Does he have insurance on his own car? His policy might cover him in her car.

 

[freebee]

edited. since you dont want an answer.

 

[FoBoT]

Originally posted by: rh71

Originally posted by: FoBoT
my insurance company says in the policy to not loan out the cars covered. read the policy

it's interesting how so many people lend their cars to their friends for a quick trip out... wouldn't that basically be the same as driving without insurance ?

it would be for me, which is why i don't loan my cars or let others drive them

my wife sometimes lets her friends drive one of our cars. she has learned to not tell me anymore so that i don't have to get mad at her. of course if her friends ever get in a wreck, she will be walking for a couple years, but that is another story

i do have a 16 year old car , i would loan that to anyone. i only have liability ins. on it since it isn't worth any $

 

[rh71]

Originally posted by: nourdmrolNMT1
no, then its your own insurance paying for the damage, you pay the increase in the premiums etc. as far as i know.

so it's as if his name is under our insurance anyway... I'm failing to see how it benefits us if he really were under our insurance (that costs us more, no?)

He doesn't have his own insurance because he doesn't have a car - just a [full] license. He only takes the car when he's visiting us for a weekend or something.

 

[Lola]

in most states, insurance follows the car, not the driver.

 

[rh71]

Originally posted by: freebee
edited. since you dont want an answer.

I was getting to yours next... you said something about ours being the primary coverage even if his name isn't on it (his own insurance - which he doesn't have - would be secondary). Then I'd like to hear the answer to my statement above... how does it benefit us to put his name on the insurance - that costs us extra money doesn't it ?

 

[rh71]

^ how does it benefit us to put his name on the insurance - that costs us extra money doesn't it ?

 

[bernse]

Chances are that the brothers insurance will cover him. Of course, he'd have to check his policy to be sure but I know that is very common for most policies where I live (Alberta, Canada).

 

[dabuddha]

Is this the same brother that's been leeching off you guys?

 

[rh71]

Originally posted by: dabuddha
Is this the same brother that's been leeching off you guys?

you must have me confused with someone else. We hardly see him and he still lives somewhere else.

 

[Jzero]

Originally posted by: rh71
^ how does it benefit us to put his name on the insurance - that costs us extra money doesn't it ?

That's the whole point. You pay extra money to cover the added risk that comes from insuring another driver. Of course it will be far less than if he had his own policy.

Anyway, call your agent or check your policy. My policy covers "occasionally" loaning my car to someone not named on the policy, although if they ever find out that the person drives the car more than "occaisionally" or is living in my household, they would not cover the claim, and probably drop me.

My policy also covers me if I'm driving someone else's car - a friend, a rental, etc.