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Auto Insurance Claims/auto insurance liability

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Expert: - 4/29/2009


Question
If the owner of a car is knowingly allowing an uninsured driver to drive their car,
with the vehicle insured by either the owner's insurance, or insurance that the
uninsured driver has obtained, what sorts of liabilities does the car owner have if
the uninsured driver gets into an accident?

Answer
Hi Steve,

I'm affraid I do not understand your question, but I will do my best.

Auto insurance follows the vehicle and not the driver. So as long as the owner of the vehicle has insurance, he/she is allowed to loan their car to anyone to use as long as they do not live in their household. All residents of the same household must be listed as drivers.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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