General Insurance

Is there any type of temporary insurance that would cover me driving my mom's car for a week?

Insurance companies don't offer temporary car insurance since policy lengths are typically six months to a year. If you will only be driving the vehicle for one week out of the year and you do not live with your mother, her policy should cover you to drive under permissive use.

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Coverage & Claims

Am I still covered on my ex-husband's car if he took my name off the insurance?

Unfortunately, if you are not listed on the policy and drive the car on a regular basis, it's not likely that you would be covered. Permissive use usually extends to those who drive someone else's car, but that is usually capped at no more than one use per month.

Coverage & Claims

I just bought a new car for my daughter, but she had an accident with it before it was added to my current policy.

Thanks for your question. This can be tricky.

Eligibility

Do I need to get a non-owners policy if I'm borrowing my mom's vehicle?

Hello,
If you live with your parents and drive their vehicle more than once a month, they will need to add you to their policy. If you do not live with them and/or you do not drive the vehicle more than once a month, you would be covered under what's known as permissive use (provided you have your parent's permission to drive their car).

Good luck and if you have any further questions don't hesitate to ask.

Coverage & Claims

Totaled a vehicle and I wasn't on the vehicle's insurance policy

The owner of the vehicle will need to file a claim on their policy. It will be up to the insurance company to decide if they will pay out for the claim or not since you are not listed on the policy.

Coverage & Claims

Does my insurance cover the damage to trailer even though I wasn't hauling it?

The claim should be covered by your insurance company as long as your policy includes permissive use. Permissive use means that claims will be covered if you give someone (who doesn't drive the vehicle regularly or lives with you) permission to drive the vehicle.

Coverage & Claims

Why is my insurance company denying my claim

Since your friend was driving your car for an extended period of time, they would need to be listed as a driver on the policy. If they are not listed on the policy and something happens, the claim can be denied for not listing all drivers of the car.

Coverage & Claims

What to do when someone gets in a car accident in your car and has no DL?

You will definitely want to report the accident to your insurance company as soon as possible. They may cover the accident depending on whether or not you have a permissive use policy.

Eligibility

Can my brother in law use my car for a week?

He should be covered to drive your car as long as you have permissive use coverage. This means that someone can drive your car that does not live with you, as long as they have permission and it is not a regular occurrence.

General Insurance

Can I add a vehicle to my policy that is titled to my step-son if he does not live in our household?

When adding another vehicle to the policy you would also add the driver of the vehicle to the policy. Generally, insurance companies will not allow a person not living in the home to be on the same policy.

Coverage & Claims

Someone borrowed my car and wrecked it

Although it was not you driving the vehicle, it will still be on your insurance policy and thus affect your rates. For South Carolina, an at-fault accident raised rates an average of $594 per year.
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