Important insurance dilemna?

Question

a friend let my boyfriend and i use his vehicle for a awhile b/c he cant get his license for awhile due to a dui... my bf got the insurance in his name, and now this friend keeps allowing other people to drive the vehicle. technically its his and we are very appreciative of him allowing us to use it, but the problem is that the insurance is in my bfs name and if something happens he has to pay for it... We had a vehicle of our own that we gave back when he offered us his vehicle now we cant get ours back if we wanted to. Is this guy going to be liable for damages if someone else were to wreck his vehicle, or will my boyfriends insurance cover it? My bf is the only one covered under the insurance, and he is worried something is going to happen and his premiums will go up or he will be liable even if he wasnt the driver because the car is insured under his name. We already feel angry about the situation but cant say much because its not our vehicle. any answers or opinions appreciated...

Answer 1

First, your BF should not have a personal auto policy on the vehicle as he does not own it. Also, because it appears that he's not in possession of the vehicle for most of the time and other people drive it, it really does not have a legal interest in the vehicle so he should not be able to obtain an insurance policy on it. Second, the owner of the vehicle is required by law to have insurance on the vehicle if it has a tag. It does not matter that he cannot drive it, financial responsibility laws requires insurance. So this who situation is _REALLY_ messed up from the start! Your BF has put himself in a _really_ bad situation.

Depending on he state where the accident happens, the owner can be held liable for an accident even if he's not driving the vehicle. I can't get into details as I don't know enough about your state laws but it also comes down to who is considered an insured under your BF's policy and how the state laws affect a situation involving an accident. As I said, this situation is just to screwed up to straighten out in one post.

To correct this matter... your BF needs a Non-Owners policy. They are _far_ less expensive then a regular auto policy. This policy protects _your BF_ while he's driving a vehicle is does not own (sound familiar?). As far as the owner of the vehicle... leave him on his own. If he does not want to follow state laws and have a policy to protect himself as required by law, that is his own problem. It appears that he does not like to follow rules (hence, the reason why he can't drive now).

You also want to find a _good_ insurance agent who knows what they are doing. Explain the situation to them and they can find the correct policy for you. If your prior agent knew your BF did not own  the vehicle, you need to _drop that agent_ and get one who knows what they are doing (my guess is that you never told this agent you did not own the vehicle, hence they could not offer the correct policy to afford coverage).

Note: Keeping the current policy and if your BF or someone else is in an accident, it's very likely that they would recind the policy (cancel it as if it never existed, refunding the premium) and not provide coverage to anyone... it really depends if the state laws would allow it. It's just a big can of worms as it is now.

Answer 2

if sumthings wrong just dont tell the insurance company that anyone else was driving it, unless that sumone else got pulled over or in an accident then you couldnt do that

Answer 3

you made your own mess...stop letting other people run you... get your own car,,insure it and dont let people drive it...end of story