FML: Car Ins Question

[SandEagle]

not sure how this works so if any agents can chime in that will be great. i have full coverage on my ride. SO isn't on policy and is a new driver. i am teaching her to drive in an empty parking lot and she hits a tree will insurance cover the damages? FML

 

[quakefiend420]

As long as she doesn't live with you and had a valid license, probably...but I am not an insurance adjustor.

 

[zerocool84]

Next time you'll learn never to let women drive, especially not your car.

 

[SandEagle]

As long as she doesn't live with you and had a valid license, probably...but I am not an insurance adjustor.

SO = wife and lives with me. no license no permit. just thought i'd let her try on an empty lot. :\ yes im stupid. but who knew? front bumper, tires ruined. probably lot of internal damage. i thought insured would automatically include spouses. *sigh*

btw, is this not covered under uninsured motorist coverage?

 

[F1N3ST]

Dude, just say you did it if she's your WIFE.

 

[OCGuy]

wow so much fail in even asking this.

 

[SandEagle]

Dude, just say you did it if she's your WIFE.

No. i will stick with the trooth.

 

[F1N3ST]

No. i will stick with the trooth.

It is your fault for letting her drive tbh. My girlfriend gets pissed when I say no, but I don't care, I have no-fault, and I have NO way to replace my car, and then she gets pissed, and why? I'm a MUCH MUCH better driver, and she doesn't even have a license.

You are so fail, I don't even know.

 

[SandEagle]

It is your fault for letting her drive tbh. My girlfriend gets pissed when I say no, but I don't care, I have no-fault, and I have NO way to replace my car, and then she gets pissed, and why? I'm a MUCH MUCH better driver, and she doesn't even have a license.

You are so fail, I don't even know.

FFS, i know its my fault man. i just need to know if they'll repair the damage. my deductible is $1,000. :thumbsdown:

 

[IronWing]

Is the tree okay? I like trees.

 

[SandEagle]

Is the tree okay? I like trees.

tree's fine. some scratches. going over the big ass curb did most of the damage. bumper is literally dragging. hahaha

 

[moshquerade]

she's the type that gives female drivers a bad name. tell her congrats.

 

[summit]

SO = wife and lives with me. no license no permit. just thought i'd let her try on an empty lot. :\ yes im stupid. but who knew? front bumper, tires ruined. probably lot of internal damage. i thought insured would automatically include spouses. *sigh*

btw, is this not covered under uninsured motorist coverage?

uninsured motorist means if an uninsured motorist hits you. your insurance company aint gonna do squat if you said she did it.

 

[SandEagle]

she's the type that gives female drivers a bad name. tell her congrats.

stay classy mosh. i expected better from you. im sure you were like dale earhardt the first time u drove


found this so we'll see what happens tomorrow

http://www.autoinsurancetips.com/covered-your-auto-insurance-policy

 

[El Guaraguao]

tree's fine. some scratches. going over the big ass curb did most of the damage. bumper is literally dragging. hahaha

How about the curb? Is the curb okay? I like curbs.

 

[moshquerade]

stay classy mosh. i expected better from you. im sure you were like dale earhardt the first time u drove

http://www.autoinsurancetips.com/covered-your-auto-insurance-policy

paybacks are a bitch aren't they?

 

[BoomerD]

You let an unlicensed driver operate your car. Not only will your insurance NOT cover the damages, had you been caught by a cop, you both would have been ticketed. Her for driving without a license, you for allowing an unlicensed driver to drive the car. (My neighbor just got ticketed for letting his unlicensed/unpermitted daughter drive the car while trying to teach her the basics before she applied for her permit)

 

[JS80]

paybacks are a bitch aren't they?

lol

 

[lupi]

Lol epic fail.



Oh, and /pics of bad driver.

 

[Wyndru]

My insurance charges me for my wife, even though she is not on my plan. It's not much, but it does increase it for anyone that lives at the same address.

They automatically assume anyone that lives in the same house may drive my car.

I thought this was normal?

 

[HardcoreRobot]

pwned

 

[HardcoreRobot]

My insurance charges me for my wife, even though she is not on my plan. It's not much, but it does increase it for anyone that lives at the same address.

They automatically assume anyone that lives in the same house may drive my car.

I thought this was normal?

Yeah, that is true, but you usually have to disclose the other members of the household. Plus, they probably ignore unlicensed drivers, as they shouldn't be driving at all

 

[bignateyk]

How the hell do you hit a tree in a parking lot while learning how to drive? It's not rocket science...

Does your SO happen to be asian?

I learned to drive when I was like 8 and I never hit a tree.

 

[Gibson486]

Nope, you are screwed.

 

[Anubis]

How the hell do you hit a tree in a parking lot while learning how to drive? It's not rocket science...
.

yea im quite curious as to WTF happened