Question for insurance connoisseurs

[marketsons1985]

Last night I borrowed by gf's car to run to the gas station. The roads were ridiculously icy, and on my way out of the gas statioin, some a**hole turned into the station WAY too fast, couldn't stop on the ice, and clipped the rear left side of my gf's car.

It was obviously his fault for failing to yield, but since we were officially on 'private property,' i.e. not turned out of the gas station yet, there was no police report.

My question is this: Will my gf's insurance cover this even though she wasn't driving? AFAIK she's got no fault AAA insurance from MI, full coverage on the car. She's worried that because I wasn't an insured driver, they won't cover it, but our friend who was there last night (who is also in the police training program here) said they'll cover it.

Anyone have experience or know?

Cliff notes:
Guy clips me in my gf's car b/c of ice
Private property, no police report
GF worried that her insurance won't cover it b/c an uninsured driver was driving (me)
Insurance = no fault, full coverage AAA

Edit:

I'm 20

 

[imported_LoKe]

I believe if you're over 25 it will be covered. I'm probably wrong, though.

 

[snoturtle]

were the police called at all?

 

[Gibson486]

It depends what your insurance covers.....

Are you listed as a co-driver on that car?

There are some policies that will cover you regardless of who drove it.


edit: check what is covered under liability. AAA? I think if you have full coverage, it would be covered, but it varies company to company.

 

[Gibson486]

Wait a minute, you live in state with no fault insurance? Yikes....you are supposed to have insurance when you take the wheel. The only thing that I know for sure that will would have been covered is if you were injured and you needed mediacl assistance.

Goto this site

http://www.autoinsuranceindepth.com/

 

[jemcam]

As long as you were a permissive user, you should be covered under her insurance. It DOES NOT matter if you are listed on the policy or not.

 

[mugs]

Originally posted by: LoKe
I believe if you're over 25 it will be covered. I'm probably wrong, though.

In some cases, yes.

Driving when you don't know you'll be covered by insurance, particularly in poor weather, is idiotic for exactly this reason.

 

[marketsons1985]

Originally posted by: snoturtle
were the police called at all?

Yes, the ottawa county sheriff's office came out and told us they couldn't write a police report, but gave us these slips to exchange info on.

originally posted by: Gibson486
Are you listed as a co-driver on that car?

Nope

Essentially the officers told us that I should be covered, especially due to the circumstances, but I wasn't 100% sure, and wanted to check with other people.

originally posted by: mugs
Driving when you don't know you'll be covered by insurance, particularly in poor weather, is idiotic for exactly this reason.

I know, but I literally drove 1/2 mile down the road, and I am familiar with the car...driven it plenty of times before. And I had no idea the roads were this bad when I left the apartment, no indicators of it, no snow, freezing rain, etc.

 

[jaedaliu]

Originally posted by: jemcam
As long as you were a permissive user, you should be covered under her insurance. It DOES NOT matter if you are listed on the policy or not.

UNLESS.... you live at the address where the car is insured at. This is to keep people from insuring 1 driver to 4 cars and then having the whole family drive the cars.

You are fine. The only question is if you (or your girlfriend) has to pay the deductible. Full coverage is full coverage. If her insurance company goes after the other guy's insurance for the money to fix the car, no deductible needed. If both companies decide to take care of their own customers, you'll end up paying the $250 or $500 or whatever.

 

[Mill]

Originally posted by: Typical Thread assholes

I hope her insurance doesn't cover it, because you should have somehow been able to get out of the way. Its icy out, you shouldn't have been driving. You don't have insurance? DIAF. Insurance is only for perfect people. You were irresponsible, etc.

Just figured I'd get that out of the way. Most people here are 100% against anyone ever filing an insurance claim, and believe that insurance is only for "good" people. Even if you have insurance and get hit by an uninsured driver, they want you to kidnap the uninsured driver and force him into slavery making gingerbread cookies in Nairobi. There's never any excuse for filing a claim in their minds.

 

[mugs]

Originally posted by: marketsons1985
I know, but I literally drove 1/2 mile down the road, and I am familiar with the car...driven it plenty of times before. And I had no idea the roads were this bad when I left the apartment, no indicators of it, no snow, freezing rain, etc.

And yet you did get in an accident, because sometimes things happen that you can't control.

I don't know if I'm one of the Typical Thread assholes Mill is referring to, but I actually do hope this is covered by the insurance. It's an unfortunate situation and it's entirely someone else's fault. But it still isn't prudent to drive a car if you don't know you'll be covered by insurance.

 

[Scarpozzi]

Insurance follows the car not the owner. You'll be covered under her insurance, but her rates are subject to change the next time they are renewed.

 

[Mill]

Originally posted by: mugs

Originally posted by: marketsons1985
I know, but I literally drove 1/2 mile down the road, and I am familiar with the car...driven it plenty of times before. And I had no idea the roads were this bad when I left the apartment, no indicators of it, no snow, freezing rain, etc.

And yet you did get in an accident, because sometimes things happen that you can't control.

I don't know if I'm one of the Typical Thread assholes Mill is referring to, but I actually do hope this is covered by the insurance. It's an unfortunate situation and it's entirely someone else's fault. But it still isn't prudent to drive a car if you don't know you'll be covered by insurance.

You are not, but you've come close a few times.

 

[PokerGuy]

Bottom line, it depends on the state and the policy. I'm not sure about MI, but in general, if someone is using the vehicle with permission (IE, you didn't steal the car or take it without her knowing), the vehicle is covered under the insurance policy unless you live at the same address. If you live at the same address, then you need to be on the policy for it to cover you.

You should be fine....

 

[jagec]

No fault is the stupidest thing in the world. It's SOOO far from reality...

 

[marketsons1985]

Thanks everyone! She called her insurance and they're telling her it's fully covered, as long as she takes it to an "approved" repair center

*wipes sweat off forehead*

phew.