Coverage & Claims

My 4-year-old daughter was in a car accident awhile back with a friend who has car insurance, am I able to still file a claim through her insurance?

You should still be able to open up a claim for any injuries or medical visits resulting from an accident. Specifically, in Tennessee, you have three years to make property damage claims and one year for injury claims.

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General Insurance

I got a ticket driving a friend's car. I have my license but did not yet have personal insurance. I’m going tomorrow to get it, will they know?

You should be fine as far as any insurance-related issues with the vehicle go. The state checks the VIN of the insured vehicle and not the listed drivers.

Coverage & Claims

I was driving my friend's car and his car wasn’t insured but I am insured under my own policy. Will my insurance cover it?

Your insurance policy won't cover the damage to your friend's car — it's only your liability coverage that follows you as a driver. Since you're not at fault, I recommend that your friend contact the at-fault party's insurance to get the car repaired. Note that if the vehicle is uninsured but registered under your friend's name, the state of Florida can suspend his license once they check for insurance. If you have any questions, don't hesitate to ask.

General Insurance

A friend is purchasing a car for me tomorrow, I'm wondering if there is a temporary policy I can get through the dealership until I can shop for my own policy?

Temporary car insurance doesn't really exist. You will likely have to get a Texas auto insurance plan before they let you leave with the vehicle.

General Insurance

Can my friend insure and drive a car I bought?

She can get insurance in her name. Some companies will make you be listed as an excluded driver.

Coverage & Claims

If my friend gets a ticket while driving my uninsured car, who will it go to?

If your friend was pulled over without insurance, they would be the one to receive the ticket. However, if they caused an accident, the other party may be able to come after you AND your friend for damages.

General Insurance

When filling out quotes, do I have to disclose an accident that my friend had while driving my car?

The questions pertains to you as a driver. The same would go for tickets.

Coverage & Claims

If I file a claim where my friend wrecked my dad's car, will her insurance rate go up?

Technically speaking, filing a claim would not result in a "point" on your friend's license because insurance companies do not issue "points" to the DMV. Points are the result of tickets and accidents where a police officer was called to the crash scene or wrote a citation.

Coverage & Claims
General Insurance

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

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.

Coverage & Claims

What should I do if I damaged an old car and don't want the insurance company to total the vehicle?

You are right to be concerned about the car being totaled if you file an insurance claim, so if you can afford to pay for the repairs out of pocket then I would recommend doing that. If you were to file a claim, the car's owner might have the option to purchase is back from the insurance company but that could easily be avoided by simply covering the repairs yourself.

Boat Insurance

Will my boat insurance policy cover a passenger falling overboard?

The answer will depend on the coverage you currently have on your policy. There are two instances where boat insurance would cover an injury to a passenger caused from falling overboard.
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