Is it true if you have car insurance in your own name you have insurance for every other insured car??

Question

I heard through a friend that if you have a car where you are registered as the named driver and if you are over 25, then you are coved when driving any other car that has been insured.. can anyone let me know if this is true and/or where to find the answer on the internet..?

Thanks xxxx

Answer 1

In general (in the US)

Insurance follows the car - not the driver.

So if your friend lets you borrow his car  and you wreck it - your friend (the owner of the car) policy pays the claim for any damage/injuries you cause.

If the damage/injuries are so bad that your friends policy does not have enough limits to pay for all the damages/injuries -- then your policy comes in on an excess basis.  That means it will stack on top of your friends coverage.

So - the car owner policy pays first - then the drivers policy if the damage/injuries exceed the policy limits provided by the owners policy.

Moral of the story -- be real careful who you let drive your car -- it's your insurance that will pay for any wrecks they have.

Answer 2

I am not qualified to give you a definitive answer, but I believe it depends on the State.  In most, if not all, States the insurance follows the vehicle, not the driver.  If you drive someone else's vehicle with their permission (permissive use), then their insurance is primary, and your insurance is considered excess (secondary).  However, some Insurance Policies will cover you when you rent a vehicle.  There is some case law which will split liability between the vehicle owner's insurance policy and the driver's insurance policy though.

Answer 3

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Answer 4

Not necessarily. Sometimes an insurance company may settle a third party claim as a legal obligation and then claim it back from the insured party if they find something of importance wasn't disclosed at the time the application for insurance was made or subsequently during the course of the policy. Usually if you have a valid licence applicable to the category of the vehicle you are driving and a certificate of insurance this should satisfy the law irrespective of your age provided, of course, you meet the minimum age requirements as stated on your licence, eg. usually 17 for a car. Check with your insurance provider or the AA or the RAC.

Answer 5

Only if you have fully comprehensive car insurance and in your name and over 25yrs

In the uk anyways!