Liability Automobile Insurance Henderson, Nevada NV
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.
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