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Thread: when you say don't worry im insured your not unless its your car..

  1. #1
    Senior Member
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    FYI THINK AGAIN!!! your ins is for your car and you!!
    if you drive someone else's car your ins will not cover it the owner of the car you were driving is the one that is responsible the owner of the car gave you permission to drive it so when you say don't worry im insured your not unless its your car..i know it happen to me

  2. #2
    Senior Member Boxer mom's Avatar
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    Yep, your ins. will tell you your ins. follows the car not you. Meaning it cover the car and you when you are in it and if you are not it will not cover you.

  3. #3
    Moderator littlehud's Avatar
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    I had no idea. I only drive mine and my daughters cars, but that is good to know.

  4. #4
    Senior Member Boxer mom's Avatar
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    Your welcome, remember the day when you would say you want "FULL" coverage and that would mean everything. Well now a day it does not. It cost extra for medical for you if the accident is not your fault, glass is extra, everything is extra.

    But I guess I can not complain, I have Farmers and I have 2 trucks (new) with "FULL" coverage, 2 ATV's and townhome ins. and it only cost about 250 a month. And my ins also covers my dogs, and road side asistance and car rental.

  5. #5
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    Unless you live in Michigan. Then YOUR insurance covers everything; car, medical (forever). We are a No Fault which means that it doesn't matter whose fault the accident is, each persons car insurance covers them. If you don't have car insurance, then the other person gets the hit. However, if you are a walker or on a bike and are injured, it is the person who injured you's car insurance that covers your injuries and expenses. Liability insurance is required by law and the big problem here is being 'underinsured', that is not having enough insurance to cover your vehicle that is being financed or leased. If there is a total loss, what you owe on the car is more than the car is worth because of depreciation. You can get Gap insurance and it will cover that inbetween amount. We own an independent insurance agency and the insurance climate is absolutely horrible here because of the number of businesses going under and people just dropping their home and car insurance since they can no longer afford it. We have big penalties for driving w/o insurance but I guess if you don't get caught, it's OK. We have one of the highest insurance costs in the country and much of it is due to the medical benefit. It is getting harder to make a living in insurance in Michigan.
    Wendy

  6. #6
    Super Member Lisanne's Avatar
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    Quote Originally Posted by sunkistmi
    We have big penalties for driving w/o insurance but I guess if you don't get caught, it's OK.
    Here in PA, you have to be insured to pass inspection every year. You wouldn't want to risk driving around without current inspection stickers.

    I am a little confused about the "your insurance covers your car and you" thing. When I drive a rental car my own car insurance covers the rental car. So wouldn't it be the same if I drive a friend's car? My insurance would cover any accident I might have. But then again, if someone else were driving my car and had an accident with it, I think my insurance would cover that, too. Auto insurance laws do vary by state, so maybe that explains it.

  7. #7
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    your ins covers you in your car and a rental but when you drive your sisters car that means she gave you permission and her ins will cover it your own ins will say turn it in to her ins and MAYBE we can pick up some of it after they pay
    my experience was i drove her car in california to go to Joann's and had an accident when i got home to Missouri my insurance told me her ins need to cover it,

  8. #8
    Super Member beachlady's Avatar
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    I had a minor accident with a friend's car and his insurance was the one to pay! I felt soooo bad.

  9. #9
    Moderator tlrnhi's Avatar
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    I think it all depends on where you live and who your insurer is.

  10. #10
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    every one should check with your ins i was told it was standard by the claims adj. at ins she said she hoped i would put it on the web and make a big deal out of it because the brokers don't tell this to anyone unless they ask i can't say what ins because she could get in trouble
    mema

  11. #11
    Super Member Lisanne's Avatar
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    Okay, thanks.

  12. #12
    Super Member carrieg's Avatar
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    Another reason to be careful who you let drive your car - Before I met DH, he and his brother were in a civil lawsuit. DH had let his brother borrow his truck and hit a pedestrian. Both were sued by the family because BIL was driving and DH owned the truck.

    I guess I knew it was the cars that are insured because I give the insurance company the VIN#, etc., for my car.

  13. #13
    Power Poster Jingle's Avatar
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    I don't drive anyone's car or truck. It is a mute point for me. We have to have proof of insurance in this area to renew our plates and have to carry uninsured mototists and underinsured insurance ???? Seems if everyone has to have insurance we wouldn't have to pay for others. Seems there is always a way out for some people. Underinsured here is for people who don't carry enough inurance, nothing to do if you owe for vehicle or not. We don't. We carry the maximum amount for everything concerning vehicle insurance, I'm sure all insurance coverage is up to each area and each State and what they want people to have.

  14. #14
    Senior Member Rachel's Avatar
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    Since we're discussing insurance... I had my agent add contents of my car to my premium. Just in case I ever get into an accident with my sewing machine in the car. Then another carrier told me that I didn't need to do that, it would be covered under my homeowner's policy. I'm still not sure which is correct. I want it covered, but dont' want to make 2 separate claims. I hate insurance... until I need it.

  15. #15
    Power Poster BellaBoo's Avatar
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    It's amazing how many find out after the fact they aren't covered. Did you know if you have a working fireplace/insert and do not have a certified chimney sweep check it out every year and you have a chimney fire your insurance will not cover the damages? And if they do you will be dropped? or have triple the rates. It's called owner's neglect. Check with you insurance agent about what falls under owner's neglect. You will be surprised. Then give him Double H_ll for not telling you up front.

  16. #16
    Power Poster nativetexan's Avatar
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    yes i should check on this. my son and his family is coming for a visit in June. i want to know if he's covered to drive my car!

  17. #17
    Moderator sharon b's Avatar
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    My agent said that my car insurance covers my car and anyone that is driving it, also if I am driving another car my car insirance covers that car also. So it is my understanding that my car insurance covers me and any car I drive and my car and anyone that drives my car. Maybe it depends on the state and regulations :? I know when my van was wrecked my home owners covered the contents . Insurance is so confusing :roll:

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