I think the big factor there is "you're driving too fast in bad weather". It is a bit different if you crash a friends car due to completely random circumstances. I would still offer to pay the deductible at a minimum. But if it was my fault, I would do more to make it up to them. Mostly because their insurance could/will go up as well.
Can you offer to have your own insurance take care of a car you are driving? Or does it have to go on the owners insurance? Cause if I could do that, then I would have it go on my own insurance so their premium wouldn't go up and they would not have to pay the deductible. I mean it really wasn't their fault.
No, the car is insured, not the driver. So the insurance cannot be transferred.
For example, a blue car rear-ends a red car, The red car rear-ends me. The red car's insurance must pay me. The red car's insurer will go after the blue car's insurer, the driver, the blue car's owner for re-imbursement.
If the driver was not "covered" by the policy, the blue car's insurer may have to go after the driver for reimbursement.
Thank the lawyers for securing their jobs. :)
Wilhelm vF
PS - I am not a lawyer. This does not constitute legal advice, and laws may vary in your location.
actualy, your covered for what ever car your driving through your own insurance. So yes, your own insurance *could* cover it. I believe, however, that your own insurance is 2ndary to the owners. So if the owner is uninsurd, or doesn't have enough policy limits, then your insurance would cover it. so insurance is "sorta" transferable.
If you're driving the car, you're responsible for it as far as I'm concerned. Especially if you're driving recklessly.
Insurance companies view it differently! The one car I got into a motorcycle accident with was being driven by a valet at the time, and the owner of the car still had to pay with his insurance.
The fucked up thing is, you insure the vehicle, not the driver - except when it benefits the ins. company.
Comments 8
Reply
Reply
Reply
For example, a blue car rear-ends a red car, The red car rear-ends me. The red car's insurance must pay me. The red car's insurer will go after the blue car's insurer, the driver, the blue car's owner for re-imbursement.
If the driver was not "covered" by the policy, the blue car's insurer may have to go after the driver for reimbursement.
Thank the lawyers for securing their jobs. :)
Wilhelm vF
PS - I am not a lawyer. This does not constitute legal advice, and laws may vary in your location.
Reply
so insurance is "sorta" transferable.
Reply
WvF
Reply
Insurance companies view it differently! The one car I got into a motorcycle accident with was being driven by a valet at the time, and the owner of the car still had to pay with his insurance.
The fucked up thing is, you insure the vehicle, not the driver - except when it benefits the ins. company.
Reply
Yes. It is your fault for not driving to the weather conditions (likely, it seems, because you are a giant Noobsauce!).
Reply
Leave a comment