Question

What happens if I am hit by an uninsured driver, but the vehicle I'm driving is also uninsured?

I was borrowing my friend's car and she said she had insurance on it. I was hit at an intersection by another driver but that person did not have any car insurance. When my friend (owner of the vehicle I was driving) called her company they said her policy had been canceled. If I have insurance, will my policy cover my friend's vehicle?

Jul 8, 2017 Modesto, CA

Answer
Neil Richardson

Jul 8, 2017

Normally insurance coverage follows the vehicle being driven even if it is borrowed by another driver that has their own policy. In a situation where you are hit by an uninsured driver and the vehicle you were driving is also uninsured, it may be possible to file a damage claim with your insurance provider since your policy would normally apply on a secondary basis. Ultimately the decision to cover the damage will be up to your insurance provider so I can't say with any certainty whether or not it will be covered. Your best bet is to contact your company and give them the details of the incident. They should be able to let you know fairly quickly if they will, in fact, be covering the damage.

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