Originally posted by: sactoking
Originally posted by: thecoolnessrune
Ok, so my truck is registered in Georgia as is its insurance. I'm currently in Wisconsin.
I let my friend drive my truck with me in it.
My friend is insured on a policy that obviously does not include my truck.
What if this friend gets my truck into an accident within the state of Wisonsin? Whose insurance pays if its the friend's fault?
I'm not an expert in Wisconsin law and I skimmed the DOI provisions in Wisconsin and saw nothing explicit to this scenario, so I will answer generally.
In general, your friend has implied permission to drive your vehicle. That means he is covered under your policy. Additionally, he should be covered under his policy as well since it should cover him in "any other vehicle" or something to that effect. The question then becomes "Which policy pays?"
Generally, when multiple policies cover an accident one is considered primary and the others are considered excess. Being your vehicle, your coverage should be considered primary and his coverage should be considered excess. That means that his coverage won't pay anything until either your property damage or liability limits are reached. Wisconsin may be different. I'm pretty sure Massachusetts gives primary responsibility to the driver's policy not the owner's and Wisconsin may be the same. But generally it's the owner's primary responsibility.
What if its not his fault but the fault of the driver of other vehicle that was collided with?
Just trying to get that sorted out.
In that case, the other owner's policy should pay. If you have Med/PIP coverage it may cover your friend since he was in your car. His Med/PIP coverage would cover him also since he was "in, on, around, or near" a car. If liability is disputed, your collision coverage would cover the car, his would not. If he was uninsured/underinsured both policies would cover, but it would be a matter of determining primary coverage (as above).
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