Auto Insurance Claims/who's liable

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Expert: - 3/23/2010


Question
If I'm driving a friend's car and I get into an accident that is my fault, whose insurance would cover it- mine, because I was driving or my friend's because it's his car?  Thanks

Answer
Hello Lee,

Insurance usually follows the car. Thus, the insurance company of the person who owns the vehicle would be primary coverage. Your insurance company would be secondary, which means that only in the event that the first insurance company does not cover the loss (i.e., there is no coverage) or the amount of damages exceed the contracted limits, the secondary insurance would kick in and cover the excess.

I hope this helps,


Good Luck
Anne
http://www.quirogalawoffice.com/
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Auto Insurance Claims

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Anne

Expertise

Auto insurance claims regarding vehicle accidents, insurance coverages, auto policies, bodily injury claims, pain and suffering, injury settlements and negotiations.

Experience

I am an adjuster for injury claims and property damage claims for over 5 years (still working there). I have worked for personal injury attorneys helping consumers get a fair treatment and I am passionate to help others with their vehicle accidents.

Education/Credentials
B.A. Economics/ Political Science

Awards and Honors
I was the top settling claims adjuster at the Insurance Company that I worked for.
I am the co writer of http://www.auto-insurance-claim-advice.com a website dedicated to help consumers document their auto claims and navigate the complex claim process.

Past/Present Clients
I work with injury lawyers working on high dollar settlements and jury awards for pain and suffering see: Spokane Law Office.

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