My sister got in an accident but she is not insured for that car?

Question

well i just found out that my sister has gotten into an accident that was her fault. The issue here is she is insured for a different car that was totaled a while back, and she was driving my dads new car as an insured driver but not for the new car. And progressive told her that she is not insured for that car and that they arent paying for it. My dad is insured under Geico isn't able to call because he doesnt know where the accident has taken place.

1.is there anything she can do to so progressive can pay?

2. and what can the other person in the wreck do if progressive isnt goin to pay? thanks

Answer 1

she should pay 1 at a time.

Answer 2

Your question is a little confusing but it sounds like your sisters insurance is Progressive & your father's is GEICO.  Your father needs to report this to GEICO right away since it was his car in the accident.  It doesn't matter if he doesn't know all the details, GEICO will find out everything they need to know. They will also speak to your sister since she was the driver.  If she was a listed driver on the policy, she will be covered even if she wasn't rated to the new car.  Your sisters Progressive policy will not respond because there is an exclusion in the auto policy that states there is no coverage for any car furnished or available for your use, which this car probably is since she is a listed driver on your fathers policy.  I have never seen an auto policy without this exclusion.

So, 1.  Progressive won't pay, they didn't insure the car, GEICO did.

2.  GEICO will pay the other person involved, up to the policy limits, if your sister is found to be at fault.

Answer 3

If she isn't a named driver on the car, and the insurance has told her she isn't covered, she isn't covered.  If she is at fault, she is liable for the damage she caused.

1.  No.

2.  Sue for damage.

Answer 4

Look carefully at your policy.  If she is just an occasional driver, she is probably covered as an uninsured motorist.  If, however; the other driver's insurance company can prove that she drives that car on a regular basis, she will not be covered.

Answer 5

She needs to talk to your dad.  Geico should cover her as she is an insured motorist.

Most insurance companies will cover other people driving the insured car as long as the driver has insurance.

So she'll either have to work with her dad and get with Gieco or pay for the damage out of pocket.  Good luck.

Answer 6

shes screwd anyway you put it

Answer 7

Just give her your dads and your sisters insurance info and they (the other person and their insurance company) will handle all of it.

Answer 8

I have no idea, but that sucks  :(  

How does your dad not know where the accident took place?  Why can't he just ask her?  Maybe she should call his insurance company and explaine the situation.  Otherwise I would let the other person battle it out with Progressive.  I would think that car insurance covers a specific car but also licensed drivers in general...  Just because she was driving a different car shouldn't make a difference... they're suing an insurance company, not a specific car.

Answer 9

Well first here is my opinion, why is she driving someone elses new car when she just totaled hers... now she totals theirs? Something is wrong here... She shouldnt be driving. OK but to solve the problem, there is no way progressive can pay. she should tell your dad and he should have geico pay and she should pay him back for the stuff he will have to pay later on.. Sorry thats all I got.

Answer 10

Usually insurance will go with the car, Geico should take the claim even if they don't know where.  You should be able to at least file a claim with both companies and they will explain whose policy it is covered under.

Answer 11

they can sue in civil court for damages, pain&suffering, and loss of income. Depends on wat st u live in.

Answer 12

If your sister lives in the same household as your Dad, is under age, and has a valid license, she must be listed on Dads policy to be covered while driving his car.  If she does not live with him, has permission to drive his insured car and has a valid drivers license, she should be covered.

Answer 13

insurance follows the vehicle not the driver. if its your dads car the claim needs to be reported to your dad's company and they need to handle it. if he doesn't have enough insurance to cover the property damage or injuries due to the accident your sister's insurance would be secondary.  if your dad or sister compainies deny coverage your sister is F'd. BTW - your sister sounds like she should stay far away from cars

Answer 14

Insurance goes with the car.  The insurance attached to the car would be the one that pays.  If the driver wasn't on the policy and wasn't a regular driver, the insurance should pay.  Things are more open to interpretation if she's an unlisted regualr driver; normally the insurance pays but asks if the driver should be added to the policy or excluded for the future.  If the driver was already excluded, the insurance won't pay.  If there was no insurance on the car (or injury/damage exceeded the coverage attached to the vehicle), secondary coverage for the driver might be gone after, but the insurance on the vehicle is still primary (meaning: secondary only kicks in once the coverage on the first gets maxed out).

Answer 15

too bad, no.

Answer 16

I was in an accident while driving a borrowed car, and the person who owned the car's insurance was the one that we had to use, not mine. The company that the car in the accident is insured under is the one that the claim needs to be filed with. They may charge some sort of a fee because the person driving isn't specifically assigned to that car, but as long as the car has insurance and your sister has insurance, all will be well. If your father's car was the one in the accident, and that car is insured with Geico, you need to contact Geico. If your dad doesn't know where the accident took place, he should ask your sister or get the report from the police. If it is his car, the police should give him the report and he can then pass it along to Geico.