Who Will Cover Damages to my Car If Another Person Drove and Damaged it?
Reader’s Question:
My boyfriend crash my car on a rail. We both have liability insurance from two different car insurance company in Henderson, Nevada. Will his car insurance cover the damages to my vehicle?
Sarah
Henderson, NV
For the damages of the car caused from an accident be covered you would need collision coverage on your car insurance policy. Your Property damage liability and your friend’s property damage liability will not cover the damage to your car in this single auto accident.
Liability covers you if your vehicle damages another person’s property. Liability insurance does not cover your vehicle for damages you or another motorist cause when driving it, it instead covers the property that you hit or damaged.
Normally automobile insurance follows a car first and driver second. This means that your liability insurance would kick in first for the payment and if your liability limits are exceeded then your boyfriend’s (driver) liability insurance would be used as excess. If you are charged for the repairs of the rail then I suggest that you check with your insurance carrier in Henderson, Nevada as well as the driver’s car insurance carrier to check who will be primary in this situation.
Who Will Pay for the Damages if the At Fault Party is Uninsured?
Reader’s Question:
I got involved in an accident and I was not at fault. The other party’s insurance coverage expired two days, so her insurance company is not willing to pay the damages. Who will then cover my expenses? my insurance company in Carson City?
Julie
Carson City, NV
If the other party’s insurance was expired and therefore not in effect at the time of the accident then as you said her insurance company would not accept an insurance claim. You also have the option to be able to repair the damage to your vehicle is to place an auto insurance claim with your own insurance company if you have Collision coverage.
If you do not want to put an insurance claim through your own Collision coverage if you do not want to pay a deductible or get your insurance rates affected in Carson City Nevadathen you may see about having the at-fault party pay for the damages to your car. If she refuses to do so on her own then you should be able to take her to court and seek a judgment against her. If you can’t wait for a court date and judgment to have your vehicle repaired then you could pay for the repairs on your own and still sue her for the costs of the repairs which you could now prove by bringing the bills from the body repair shop that you paid out of your own pocket.
Who Will Pay for the Damages if the Uninsured Borrower Got Involved in an Accident?
Reader’s Question:
If you allow someone drive your vehicle in Reno, Nevada and they don’t have car insurance and they get into a crash, who will be responsible for the damages?
Moore
Reno, NV
First of all, if you have auto insurance on your car it would be primary no matter if the driver operating your car had insurance or not. If he driver did have their own insurance policy then their liability would be used as secondary or excess insurance for injuries or damages he or she caused.
Now if you are permitting someone to drive your car that is uninsured in Reno NV, and they cause an accident, then both the car owner and the driver who caused the accident can be held liable for the damages normally.
If you permit someone to drive your car and you do have auto insurance on it, make sure you read over your car insurance policy and check with your auto insurance agent to be sure the driver would be covered by your insurance policy if he or she were to be in a crash.
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