Does Automobile Insurance Follow the Car or the Driver?

By Gary Wickert | June 5, 2014

  • February 24, 2015 at 4:37 pm
    John says:
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    if the wife has insurance and the husband is named as a non driver is the car and accident covered

  • February 24, 2015 at 4:42 pm
    John says:
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    if wife has insurance and husband is named as a non driver is accident covered

  • March 11, 2015 at 10:40 pm
    Ed S says:
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    Gary, if my son is a household family member and I let him use the car to go to High School, am I coverd for the damage to the car. He drove through a flooded intersection and struck a pole. The car is totalled. No other person hurt, no property damage. Officer at scene stated in report, environmental, as the only contributing factor…at least 3 accidents due to this condition, on that same day. Sincerely, Ed S

  • March 13, 2015 at 2:01 pm
    Kathy Dennison says:
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    Daughter rear ended propane truck at light. She has her own insurance policy.as she is 24
    He stopped suddenly in middle of intersection(light had turned red)
    Daughter could not see the light as the truck was tall…….
    Insurance agent was so totally unassisting in this.
    He will be drug tested..if he fails are there any ramifictions from that…she only had comp and liablility. We live in Indiana.
    No tow was paid. no rental available….his truck of course only headlight busted.Her truck is totaled in front due to hitting his huge bumper…for safety I am sure. She had her child in the vehicle with her as well. he is 5 help us please….

  • March 16, 2015 at 5:10 pm
    Eddie says:
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    Hi, I have a car, which i don’t own, but only i am one, who uses it.
    So, i have full coverage insurance for that car on my name.

    If i claim anything from insurance company, will i be get paid or the Owner of Car?

  • April 17, 2015 at 8:30 pm
    L Blanton says:
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    I have a friend that was driver her mothers car with another friend. There was a fatal accident and my friend, the driver died… the other person was injured and has surgeries, hospitalization, and other medical cost, is unable to work and has two kids, and apparently my friend was EXCLUDED from her parents auto insurance….. what does this mean?

    How can this girl get help? There has got to be some way somewhere, someone or some car has coverage that will help this person with her medical. As it is the loss of her friend, no financial help now and a very LONG ROAD TO RECOVERY.

    Please tell me she does not have to endure these costs alone when she had NO CONTROL over any part of it….

    Please let me know who I can tell her to contact…. (her insurance is helping with an amount up to a certain point… (maybe)

  • April 30, 2015 at 2:07 pm
    Desiree Griffiths says:
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    My daughter had accident in my car which was fully comprehensive insurance and she was also insured fully comprehensive on her own car but not named on my car. Can the third party claim off my insurance? It is questionable who’s fault it was as it happened on a blind corner.

  • May 18, 2015 at 12:31 pm
    Barbara Sims says:
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    Would like some advice on a situation.
    Mom and Dad are separated, 17 year old is on Moms policy. Dad is going to replace his vehicle with another allows son to drive old car, which dad insures.
    Dad gets new car, cancels insurance on old car, does not inform son or mom. Title is still in dad’s name.
    Within four days son is in an accident. Son is insured but not the car. The son is being charged with speeding, driving uninsured car, fined over $2000. Other driver was also speeding, no charges because son driving uninsured car. Dad is on hook for damages to other drivers car, no personal injury. Dad even called mom wanting to back date fake sale on title to throw son “under the bus”.
    Is there any legal way to reduce son’s fines because of dad’s irresponsibility? Is this the proper application of law?

  • June 5, 2015 at 11:18 am
    Brandon says:
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    Need some advice. I traded in a Jeep for an Equinox on 3/21/15. Had to call the insurance while at the dealership to up my insurance to cover the Equinox. I did, and the insurance faxed a confirmation page to the dealer. basically it was a page with two sentences saying I am a verified insured driver with my policy. No breakdown of my policy. Dealership accepted, loan was processed, I left in the new car. I totaled the car on 5/30/15 unfortunately hydroplaning, so not my fault. Called to make the claim and the insurance agency still had my Jeep on file and not my Equinox. They are waiting to listen to the recording to see if all I did was increase my insurance on 3/21 or if I actually added the Equinox. I am worried that maybe I didn’t say the exact words or the lady I spoke to maybe never asked for the new car information only the coverage increase. The claims adjustor is waiting to listen to the call to see if they will process my claim or screw me and give me nothing. I paid a higher insurance rate the past 2 months because of increased insurance for making a purchase. What can I do or say to them to get this claim processed so I can get the loan paid off (only 6K) and get a new car?

    • June 11, 2015 at 9:52 am
      Bryan says:
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      When your calling your agent to have them fax proof of insurance to a car dealer, there should be a conversation about why you need it, are you buying a vehicle, do you need us to add a lienholder on as an additional insured?? etc.. Most companies extend coverage to newly bought vehicles from the broadest coverage on the current policy, sometimes up to 30 days. In your case that has expired. I would contact the insurance commissioner of you state and explain the situation, this could be an E & O claim against your agent.

  • June 30, 2015 at 11:30 am
    Will says:
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    I have an unusual situation. My teenage daughter was sitting in the front passenger seat and struck the windshield with her feet, causing extensive cracking. There was no accident or incident that caused this to happen. I have a feeling my comprehensive will not cover it. Any advice appreciated.



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