Whose insurance pays when you lend someone your car and they get in a single car DUI wreck?

Question

My fiancee was driving my car (we have separate insurance) and she ended up being involved in a hit and run accident in which she spun out of control and pretty much totaled my car. To make things worse, she was arrested for DUI when she called the police to report the Hit and Run... I am glad that no one was hurt, but am wondering what will happen with our insurance coverages.

Will my insurance cover the cost of repairing/replacing my car even though I was not driving it and she was slapped with a DUI?

My gut tells me that my insurance will cover the damages and my premiums will increase the standard amount for single car accidents like this, and that her insurance will skyrocket because she now has a DUI....

Any info on this would be appreciated.

Answer 1

You basically answered your own question.

Answer 2

If you gave her permission to drive your insured car and she had a valid drivers license, your insurance would be prime.

Answer 3

Depending on the state in which you live and your  policy is based in you might be able to file a claim under your friend's policy. But its not the case with all policies.

Despite popular belief there's a good chance you're insurance may not go up.   Reason being is that when they surcharge you for an accident they are surcharging the driver.  This driver is not listed on your policy so they cannot surcharge for this.  However if your claims history is already bad,  this could still come back to haunt you.  Most of your major insurance companies abide by this.  This is what distinguishes a good insurance company from a bad one.

You also need to remember when you do get married,  your rates will go up because you ar adding her to your policy with a DUI.  

Good luck

Answer 4

It's obvious your fiancee has a drinking problem I would take back the ring and send her on her way. You don't trouble like this.  

Answer 5

Your gut is correct but I doubt your fiancee will have insurance after this weekend...

Answer 6

Your insurance will pay for the car, and your premium will go up astronomically.  She might lose her insurance for the DUI, and hers will go up too.

Answer 7

I wish my advice could be helpful.And here is a good resource.Check it up.http://car-insurance.online-tips.info/ca...

Answer 8

Yours does.  Insurance goes with cars, not with drivers, so when you lend out your car, you lend out your insurance policy also.

That's why it's not a good idea to let anyone drive your car.

Your gut is giving you very good information.