Expert: Bennie719 - 11/12/2007

Question
In a  car accident, my husband was doing his friend's favior, he drove the car back to his friend' house. On the way he might step on the wrong pedal then he crashed onto a car which was parking in front of him, the right side of the driver side. The door on the driver's right side was damaged. The driver asked my husband if he was ok, then he called the police and ambulance. He was helped into the ambulance later. But there was nothing about blood. (I hope and pray he is fine.) Now my questions are, is the car owner's insurance going to cover the loss of this accident or my husband's car insurance? Or both insurance companies have no liabilities? Will my husband be responsible for the loss  instead of the insurance companies? Thank you very much.


Answer
Hi Sue,
Under Insurance Law, the policy that has been issued to cover the car always applies.  In the event that the owner did not haave insurance on the car, your husbands own personal insurance policy follows him when he occasionally drives some one else's car and would come into the case the moment it was confirmed that the owner had no insurance.
You can rest assured that either the owners policy or your husband's own policy will cover this accident.
I trust this has been of help, please write again if I can be of more assistance or you have a follow-up question.
Your feedback by rating my answer will be appreciated.
Sincerely,
Bennie
San Francisco Bay Area 11-11=07 10:55 PM PST