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Question
I was driving my friend's car, with his permission. He has
a comprehensive coverage for his vehicle and I have a
liability coverage. I accidentally hit the rear bumper of a
car in parking lot after the car skidded on ice. Whose
insurance should pay the damages to the car I hit?
Hi Kit,
If your friend has liability insurance on the car, then that policy pays, otherwise your own policy follows you while driving your friends car.
Exclusions in either policy could change this situation. It's best to report the accident to both companies and let them make the decision as to whom pays.
Bennie
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| Rating(1-10) | Knowledgeability = 10 | Clarity of Response = 10 | Politeness = 10 |
| Comment | Thank you. That helps a lot. | ||
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Answers by Expert:
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.
Education/Credentials
not applicable
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