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Question
A New Jersey licensed insured driver domicilied in New Jersey will be driving her parents New York registered insured vehicle usually with the owner of the vehicle who is a licensed and insured New York driver. Will any provisions need to be made on one or both policies or will regular policy provisions be in force. The frequency is once per week. Thank you
Bill
Hi Bill,
The New Jersey person should be added to the New York Policy. In most cases you can loan a vehicle to someone without any issues. However, when a vehicle is made available to someone on a regular basis they should be added to the policy. Different insurance companies will have different requirements. There may be an issue due to the driver being in a different state for example.
You will have to contact the insurance company in question and ask thenm what the proper procedure would be in order for the New Jersey driver to be covered without the potential for any issues down the road.
I hope this helps
Richard Hixenbaugh
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| Rating(1-10) | Knowledgeability = 10 | Clarity of Response = 10 | Politeness = 10 |
| Comment | This is a great answer because of the clarity and brevity. In addition it points out another source to check and why. i could not have asked for more. Thanks Richard | ||
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Answers by Expert:
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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