| Car insurance, kid at college, drives roomate's car.
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| lled |
Great forum. Searched but could not find another forum about insurance.
If you know of a better car insurance forum, please write your suggestions.
I have a 20 year old child away at college. He drives a room mate's car sometimes but not for commuting. Not any of my cars. What special car insurance problems could this bring?
My insurance company is asking about students away at school and what do they drive? I do not know the room mate's car insurance status. I have not answered. What should I answer? |
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| midnightMDX |
| With my insurance company(state farm) anyone can drive the car as long as they are given permission. They do not have to listed on the policy. But if he crashes, it will be the owners insurance taking care of it. IF his roommate is ok with having that risk, then it shouldnt be a problem. You tell your insurance he drives nothing. But again, you are in California and I am not sure where you kid is. So, you have to check your local laws and insurance. But its not your car, so it shoudnt matter to them. |
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| revere84 |
Did you purchase your insurance through an independent agent or through the insurance company directly? If you have access to an independent agent or a direct writer (agent who works for one company only) they are really the best resources for asking questions about coverage scenarios.
MidnightMDX is correct, the vehicle owner's insurance coverage is primary and the driver of the vehicle could be secondary if they have their own policy. |
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| G. COLTON |
Ask your agent what he recommends. Regardless be sure that your son has insurance seperatea and above that provided by the owners insurance.
In civil court he could still be sued even if the owners insurance has paid.
G |
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| wasjr |
| I agree with the above comments. The automobile insurance is with the vehicle, but in an accident there could be a civil suit in which the driver is held liable. You need liability insurance, and I would also recommend an umbrella liability policy. Discuss with your insurance agent. |
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| BlueStreak |
You need to list your son as a driver on your insurance. If you haven' done this, do it today.
Someone mentioned umbrella coverage. You're recommended to have good liability limits and an umbrella policy for additional liability coverage. With 100k vehicles there days, you need the coverage. Get two vehicles in an accident with med payments, the bills add up quickly.
Doesn't really matter what coverage the vehicle owner has, as long as they have it. Vehicle insurance is primary and the driver is secondary. If there is no coverage on that other vehicle, tell your son to stay out of it. If your son drives and is in an accident in that other vehicle, the vehicle owners carrier will subrogate against your carrier. This is why you need to have coverage on your policy. If the other vehicle owner doesn't have physical damage coverage, they will likely come after you for repairs to their vehicle. So to avoid problems here, list you son as full coverage on your policy.
Finally, your son does need to have permission to drive the other vehicle. If he has this, and there is a claim where your son is at fault, your carrier will be paying in the end. I wouldn't worry about the civil exposuer. If you have coverage for your son, your carrier will step-up in the event of a loss.
Worst case - speak with your agent (not the company direct reps). They will be able to further answer any question(s) you have on this. This same situation applies daily to people driving rental cars. |
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