Auto Insurance Claims/Car Insurance

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Expert: - 5/9/2006


Question
My father owns the truck i drive, the full coverage auto policy is in his name and i am listed as a driver, but we do not live in the same house. Am i covered in an accident, or if there is theft of the vehicle?

Answer
Dear questioner,

You are listed as a driver, and hence as an insured under a policy owned by your father, who also owns the vehicle. You are insured, but your father gets the money for loss of the truck.

As such your father is covered for theft for replacement value less deductible under his comprehensive irrespective of who was driving or had possession at the time of the theft.  The comprehensive will also cover personal property lost in the theft, although as you might expect, there may be enhanced proof required for such a claim (e.g. receipt that you actually once did own a $2,000 HP notebook)

Hope this helps,

Dr. Settlement, J.D.
www.SettlementCentral.Com

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27 years of front line plaintiff`s trial lawyer experience in PERSONAL INJURY INSURANCE CLAIMS. Along with other attorneys and insurance adjusters, we have created a website to help injured people settle their own personal injury claims. With the help from feedback from hundreds of satisfied members, www.settlementcentral.com has become THE AUTHORITY for Internet personal injury insurance claim settlements. I am humbled and honored if people can benefit from my experience and current volunteer work in helping injured people. I hope I can explain things in a manner that is useful for the questioner. If not, do not hesitate to e-mail me and I will take a second shot at it! Best Wishes for your physical and financial recovery.

Experience



Life Experience: 27 years of front line plaintiff's trial lawyer experience

Organizations:
American Trial Lawyers Association
Washington State Trial Lawyers Association

Publications: (Click on Title to Read)
Statute of Limitations
Vehicle Accident
Accident--Adjuster
Demand Letters
Policy Limits

Education/Credentials: J.D. (Juris Doctor) 1977

Awards and Honors: I am humbled and honored everytime I am selected to help injured people. And when people give feedback that they have benefited from my experience and current volunteer efforts, then that is a double honor and award for me.
 

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