My boyfriend got into a wreck in my car, i am still under my parents insurance will the car be covered?

Question

It was not his fault, and the person that hit him did not have a drivers license, insurance, and had expired tags

Answer 1

The accident would probably not be covered unless your boyfriend is also listed as a driver on the insurance plan. I'd suggest consulting your insurance agent.

Answer 2

No, your parents insurance does not cover your boyfriend if he is driving the car.

Answer 3

Who owns the car, legally?   What coverages are on the policy?  Is the boyfriend a listed driver?  

It's possible that if your parents own the car, they have collision coverage, and the boyfriend is  a listed driver, that your parents will get a check for the damages to the car, less the deductible.

But there are too many unknowns - you'll have to ask YOUR agent.

Answer 4

Very likely not if he is not listed as a driver.........

Answer 5

some insurances can cover other people driving... most cant. if he is not on ur parents insurance to drive that car. ur screwed...

Answer 6

you have to set up the claim, and let YOUR adjuster investigate and review your policy in order to find out if it will be covered under YOUR policy . HOwever if the other person was at fault, it doesn't matter if your boyfriend  was on you parents policy or if even you have insurance, they should take responsibility.

Answer 7

Does the insurance cover un or underinsured drivers?  

Definitely hit the websites and look for examples of previous situations. How old is your boyfriend?

Answer 8

if it is not his fault he will be covered and depends if you have full coverage the car will be covered and make sure the insurance company lets other drivers drive the car and he has a valid drivers licease good luck

Answer 9

WILL THE PEOPLE THAT DON'T UNDERSTAND INSURANCE PLEASE GO POST IN THE FASHION CATEGORY. Insurance is not something you can guess at the answers. It operates under a set of rules, many of which don't follow common sense. You are just giving bad advise.

That said, on to the question. (For the US) You state your car is covered under your parent's policy. If your boyfriend does not live at the address where the vehicle is gargaged, was not listed as an excluded driver on the policy, and had permission to drive the vehicle, he is classified as a permissive user. Fault doesn't matter. Coverage under the policy will apply as long as you follow other policy conditions (such as cooperation with the insurer). Whether or not the damage to your vehicle gets repaired depends on if your parents purchased collision or UMPD coverage. (Look at the policy.) Go ahead and file the claim.