What are the consequences if I get into an accident while driving my mom's car, but I'm not a listed driver or covered by her insurance policy?
If you have permission to drive someone else's car and get into an accident, their insurance will likely cover the damages, as long as you're not excluded from their policy.
If the other driver was at fault, their insurance would cover the damages, and the car owner's insurance would be unaffected.
If the damages exceed the car owner's policy limits, your own insurance (if you have one) could step in as secondary coverage.
Even if you're not listed on the car owner's insurance policy, you're still liable for the accident if you're found to be at fault.
If someone borrows your car and gets into an accident, your insurance policy will typically cover the damages, but your rates may increase.
If someone else gets a ticket while driving your car, the infraction will be charged to the driver, not you.
If someone steals your car and causes an accident, you won't be liable, but proving you didn't give permission can be difficult.
If someone is driving your car without permission and gets into an accident, one of a few scenarios could occur, including theft, if the driver doesn't have insurance.
Auto insurance typically follows the car, not the driver, so the car owner's insurance policy would cover the accident, not the driver's.
If you lend your car to someone and they get into an accident, your premiums may still increase, even if they have their own insurance.
If the accident wasn't your fault, the other driver's insurance would cover the damages, and your car insurance policy wouldn't be affected.
If you're driving someone else's car and get into an accident, you may be able to make a claim on the car owner's insurance policy, depending on the specific terms of their policy.
If the damages exceed the car owner's policy limits, your own insurance (if you have one) could step in as secondary coverage.
If you frequently drive someone else's car, you might want to consider getting non-owner car insurance to ensure you're covered in case of an accident.
A car is considered a total loss (totaled) when the cost to repair the car is more than its actual cash value just before the accident.
An insurance adjuster will determine whether a car is a total loss, and if so, the insurance company will pay out the actual cash value of the car.
If someone else is driving your car and gets into an accident, your insurance policy will cover the damages, but your rates may still increase.
If the accident wasn't your fault, the other driver's insurance would cover the damages, and your car insurance policy wouldn't be affected.
If you're not listed on the car owner's insurance policy, but they gave you permission to drive, their insurance will still cover the damages.
If you're unsure about what happens in the event of an accident, it's essential to review the specific terms of the car owner's insurance policy to understand your coverage.