Eligibility

How do I get insurance for making deliveries if I'm borrowing a car?

A non-owners insurance policy provides liability coverage for drivers who don't own a car. However, if the vehicles aren't insured and registered by your mother-in-law, you are still not going to be legal on Colorado roads.

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Coverage & Claims
Eligibility

Does uninsured motorist coverage cover borrowed vehicles?

Sorry to hear about the accident. From my understanding of your situation, as long as you are a covered driver, his uninsured motorist coverage should apply to you.

Car Insurance Costs

If someone else crashed my car and they were at fault does it affect my rate?

I'm sorry to hear about your situation. The good thing is that the driver is covered under your policy, assuming you gave them permission to drive the car.

Coverage & Claims

If a large item falls from a truck and causes an accident, whose insurance will cover it?

This is a legal matter and I suggest talking further with your own attorney. Your insurance will not cover the claim since you only have liability insurance.

Coverage & Claims

Who pays for ticket when you drive someone else's car

At the end of the day, the ticket will still need to be paid. It is great that you have insurance, which should've covered you in an accident.

General Insurance

In Alabama, does the car insurance follow the driver or the car?

In my experience, it's always the rule that car insurance follows the vehicle, not the driver. So, although the person who hit your daughter wasn't the owner of the vehicle, their car insurance would still apply in this situation.

Coverage & Claims

Can I insure my friend's car that I borrow?

As your friend already has a policy for the vehicle, you do not need to get another policy. You can have your friend add you to his policy as a covered driver.

Coverage & Claims

I borrowed my friend's car and caused $1,000 of damage

Typically, car insurance follows the vehicle (not the driver) so if you were to file a claim, it would be under your friend's insurance. However, I would exercise caution when considering filing claim.

Eligibility

Is my friend covered if they borrow my vehicle?

Generally speaking, a person who you give permission to drive your vehicle should be covered by the policy on the vehicle. It's called "permissive use" and is normally allowed with most companies.

Eligibility
General Insurance

Do adult children have to be added to a policy when occasionally driving a parent's car if they have their own policy?

They would only need to be listed as drivers if they live in your household and/or drive the truck on a "regular" basis. Most companies consider "regular" use as 12 times or more per year.

Eligibility

Will GEICO cover another driver who is insured but not on my policy?

You will need to contact GEICO and ask the company directly. Generally speaking, if someone regularly drives your vehicle then they need to be listed on your policy.
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