Who is responsible?

[Triple]

...

[wildchild]

does the girl have insurance of her own on a vehicle or is she on her mother's policy? if so they may want her insurance to cover the car, they will pick up the extras if any. if not she is considered an uninsured driver and he has no claim.

[ericr]

Who's his insurance with?

My insurance covers ANY licensed driver, most do, unless they are listed as "not allowed" to drive the vehicle (my niece who lived with us for a while and her record was horrific, could not drive any vehicle in the houshold).

Other than that I can't help.

[shmike]

Mr. Hand got right.

It depends on if she lives with him.

You can loan your vehicle to another licensed driver and they will be covered on your insurance if they don't have thier own.

Because it is most likely that you'd loan your vehicle to someone at home, other licensed drivers in the house are supposed to be listed with the insurance provider so that they may be added to the policy if necessary.

[the chi]

Originally Posted by wildchild

does the girl have insurance of her own on a vehicle or is she on her mother's policy? if so they may want her insurance to cover the car, they will pick up the extras if any. if not she is considered an uninsured driver and he has no claim.

I agree with this. If she is driving legally, her mother has to have insurance on her, he may be able to go that route, but it could be ugly for the relationship...

He needs to read the fine print in his policy, because often times they state coverage includes you and any other driver (whether on your policy or not) OVER the age of 25. My policy is like that, and for that very reason I do not allow anyone under the age of 25 to operate any of my vehicles, nor would I ever loan it out.

[Yamerhaw]

His basic liability insurance should cover the damage done to the other person's vehicle, but they may not have to cover the damage to his own...i mean thats what liability is for: the damage "your vehicle" does to other property shouldnt matter who is driving....but as far as the collison aspect of his insurance , it may very well not cover his own vehicle since she was not listed on the policy,.. however i'm sure all states are different

[Corey]

Depends on how his insurance is written and who it's insured with. If his coverage specifically states that coverage is only provided to listed drivers, then he's going to have a hell of a time getting payment through his company if they've already determined that there is no coverage.

Really, he's going to have to look at the wording of his insurance contract to determine if he has a leg to stand on. It sounds like, since his claim has been denied already, he has a policy that only covers drivers who are specifically listed on the policy, and the person responsible for paying for damages will be him.

[Papa_Complex]

Originally Posted by Triple

Insurance question. If you have links or other sources for your answers, please include them. I wasn't sure how to word this for a Google search myself...

The 17 year-old daughter of a coworker's girlfriend struck (or was struck by) a deer while driving his Infiniti this past weekend. She was not listed as a driver on his insurance policy; he had simply let her borrow the car for a night. The collision caused significant damage; I haven't seen the car since the wreck, but my coworker is under the impression it might be totalled.

Even though his insurance policy includes comprehensive and collision coverage (not sure which one covers hitting animals), his carrier is denying him coverage for this accident because the girl is not listed as a driver on his policy.

The car is registered in Georgia, but the accident occurred in Tennessee. Can his insurance provider legally deny him coverage for this wreck? If so, it sets the precedent that it is never safe to loan your vehicles to friends or family, which, obviously, people do all the time.

I've been in wrecks in cars that weren't mine and never had any such problem (albeit, this was in Michigan, which may be the reason why).

Thoughts?

If she lives in his home and wasn't disclosed as a possible user of the vehicle, then he's likely hosed. The policy costs are scaled based on the company's risk exposure and a young occasional driver of a vehicle significantly increases this exposure.

If she doesn't live with him then he's got a shot, but would likely have to sue his own insurance company in order to get them to pay out.

[skiergirl]

couple links I found by searching Ins coverage on borrowed vehicles - Seems to apply to your case too...

http://en.allexperts.com/q/Auto-Insu...e-Borrowed.htm

http://answers.google.com/answers/th.../id/69471.html

you can probably find several more by that search wording to help too...

[askmrjesus]

Originally Posted by Yamerhaw

His basic liability insurance should cover the damage done to the other person's vehicle, but they may not have to cover the damage to his own...i mean thats what liability is for: the damage "your vehicle" does to other property shouldnt matter who is driving....but as far as the collison aspect of his insurance , it may very well not cover his own vehicle since she was not listed on the policy,.. however i'm sure all states are different

I'm just guessing, but I don't think the deer's car was damaged...

JC