What are the chances of car insurance not covering a totaled car if ur not on the policy but have full cover?

Question

I wrecked a car that belongs to my girlfriends dad he has full coverage on this car but I'm not included or excluded from the policy. what will the insurance company do? or what can i do if the insurance doesn't cover the car?

Answer 1

sydkan is almost right....if you have regular access to the keys the claim can be denied, as permissive use doesn't apply to people who have regular access.

Answer 2

For auto insurance the quick way to get a good rate is do a policy comparison on car policies. Make certain that you compare similar options with the same deductibles, car model, location, etc so that all things are an accurate comparison.



What I usually recommend is an online comparison quote at http://www.InsureAutoNow.info since they have lots of insurers and will give multiple prices on car insurance polices.

Answer 3

This is called permissive use.  As long as you had permission then there should not be any problems.  his ded will apply but the car would be covered.  if he didn't have coverage then possibly you're ins would then be excess covg.  If any questions he should read his policy under permissive use.

Answer 4

is one old scam they have goin gon you insure a car not a person try getting get car insurance with out a car....is just a way of getting more money out of someone dont think you will have any problems and if you do  you pay for it

Answer 5

El_Maravilloso, Try getting an online insurance quote It's free and generally hassle free. http://www.easyautoinsuranceguide.com



Good Luck!