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Auto Insurance Claims/totaled someone else's vehicle

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Expert: Bennie719 - 1/3/2008


Question
my son totaled a friend's vehicle.  He was given permission to drive the vehicle.  Who's insurance company covers the claim - the owner of the vehicle, or my son's?  The owner reported the claim.  Do we need to contact our son's insurance?

Answer
Hi Kathy,
The insurance policy on the vehicle always applies first.
Your son's policy stands in the background as additional coverage if needed or to fill in any 'gaps' of coverage that his friend did not carry, assuming this was just an
occasional use of the friends car.
I Hope this has been of help.
Sincerely,
Bennie

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Bennie719

Expertise

I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.

Experience

Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license. I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.

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