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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.
Nov 27, 2016 Memphis, TN

Driving History

Is there any way to keep a claim off of my friend's record?

You could always claim the accident as if you were driving but I highly recommend that you avoid lying to your insurance company. If you file a claim, they are going to want to know what happened so there won't be any way to avoid involving your friend other than being dishonest.
Nov 26, 2016 Nashville, TN

Coverage & Claims

If someone borrows a car and there is an accident, should the claim be filed with the driver's insurance or with the car owner's?

Ultimately, the decision to file a claim or not will be up to you and your dad. You can use our State of Insurance report to give yourself an idea how much an At Fault accident will affect your rates, but there is no way to tell with 100% accuracy until you are charged for the accident by your company.
Sep 7, 2016 New York, NY

General Insurance

If someone is involved in a wreck while borrowing a vehicle, does that driver file the claim under their insurance?

Insurance follows the vehicle and pays primary after an accident so the claim would need to be filed with the company that insures the car. If that policy does not provide enough coverage for all of the damage then the driver borrowing the vehicle would have to use their coverage for any additional damage.
Sep 6, 2016 Hermosa Beach, CA

Coverage & Claims

Does car insurance follow the car or the driver?

The rule of thumb is that the insurance coverage on the vehicle you are driving is primary in the event of an accident. Since you will be borrowing a vehicle, your car insurance would provide secondary coverage in the event that you are involved in an accident.
Jul 18, 2016 Denver, CO

Coverage & Claims General Insurance

Whose insurance pays out if a borrowed vehicle is damaged?

I'm very sorry to hear about your crash and these situations can be extremely confusing so I'm glad you came here for your answer. The insurance coverage that is already on the vehicle should act as primary in this situation assuming that the vehicle is insured with comprehensive and collision coverage or possibly uninsured motorist property damage.
Jun 27, 2016 Houston, TX
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