Auto Insurance Claims/car insurance

Advertisement

Expert: Richard L Carranza - 5/27/2005


Question
If someone is insured under their own policy to drive any vehicle, does the vehicle (not their own) need to be insured (by anyone)?  

Answer
In a word NO.

If you have your own coverage it covers you while operating the "owned auto" (the one insured on the policy) and any "non-owned vehicle" (owned by someone else) while being driven with the PERMISSION of the owner.

A point to remember is that insurance follows the car.. so if you're driving a friend's car that is insured by him then that coverage is PRIMARY and your coverage would only come into play in an EXCESS capacity if the primary coverage wasn't enough (limits) to cover the loss/legal liability.

Hope and trust that the above answers your questions.

Please take the time to rate this response in the various catagoties..


Thanks

Auto Insurance Claims

All Answers

Answers by Expert:

Ask Experts

Volunteer

Richard L Carranza

Expertise

Any questions/issues dealing with either Personal Auto or Commercial Auto auto claims (Collision, Comprehensive, Total Loss valuations, Bodily Injury claims, Property Damage claims (1st and/or 3rd party), etc... I can help you understand your coverage(s) and help you present and persue your claim against your own insurance carrier or the insurance carrier of the "other party" involved...

Experience

40+ years+ in the Property & Casualty Insurance industry in various positions (from Claim Rep to Claim VP)

Previous #1 rated Expert in this catagory for AllExpert.com....

Organizations




Education/Credentials
BS Managerial Science - Manhattan College (NYC)

©2012 About.com, a part of The New York Times Company. All rights reserved.