Auto Insurance Premiums Dallas Texas TX
Filed under: Cheap SR-22 insurance, Cheapest SR22 insurance
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
Dallas TX
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 in Dallas, TX.
Tags: auto insurance claims
Loading ...