What Happens if My Uninsured Friend Borrowed a Car and Got in an Accident?
Reader’s Question:
A friend of mine wants to borrow my vehicle. He has a valid driver’s license and is over 22 years old but he does not have his own car insurance policy. What will happen if there is an accident and how is that handled by my insurance provider in Dallas TX?
Jean
Normally car insurance follows a vehicle first and driver second. So even if your friend did have his own auto insurance but used your car and was in an accident your car insurance would be primary and his insurance would be secondary if your liability limits were exceeded.
If your auto insurance policy would cover your friend then your coverages would affect just as if you were the driver if he was in an accident. If your friend was at-fault in the accident then the accident itself, and any traffic violations he may be ticketed for, would go on his driving history but the auto insurance claims for damages would go through your car insurance policy. Therefore a friend having an accident in your vehicle would appear on your car insurance claims history and may affect your future car insurance premiums.
Advantages of Buying Car Insurance Online
Reader’s Question:
I’m looking for auto insurance; what would be the advantage of purchasing my auto insurance policy in online?
Tyrone
Dundalk, MD
You can save time looking for the right insurance policy online since all you have to do is to fill up the online forms available in the insurance company’s websites and ask them to give you a quote.
Within just a few minutes after completing an insurance quote form, you should be able to receive a quote. This is how fast it works in this modern age and time. Receiving more than one quote is possible; therefore you’ll be able to compare car insurance quotes from different companies in Dundalk Maryland. In the end, deciding on the best car insurance policy for you is made much easier.
Online car insurance quotes are free so you don’t need to worry about paying more for multiple car insurance quotes. You can request for as many quotes as you want, without having to spend a cent. Note that you are required to accept any insurance quote that is provided to you.
Purchasing your auto insurance policy online is very convenient since you don’t need to leave the comforts of your home or office so long as you have internet access. When it comes to the safety of information you chose to provide, don’t be afraid. Most websites nowadays use encryption technology to keep all information secure.
You also don’t need to be afraid of your information being released to anyone other than the insurance company, unless you agree to it being released to other insurance providers. There’s no reason to worry about any of these free online auto insurance quotes having any effect on your credit score.
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