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Auto Insurance Claims/will insurance pay?

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Expert: - 1/11/2010


Question
hi. im an unlicensed van owner with insurance, and was sat in the passenger seat , when a friend who is licensed reversed into a parked car.however his own insurance had recently expired. my policy is fully comp but states driver only, will it still cover the damages?  

Answer
Hi Mike,

I am not specifically knowledgeable in UK insurance or insurance law. That having been said, generally auto insurance follows the vehicle and not the driver. So in this case I would think that your insurance company should cover the damage caused by your friend driving your vehicle.

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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