I reside in Florida and was letting a house guess use the my

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Posted: Wed Feb 04, 2009 10:59 am Post subject: I reside in Florida and was letting a house guess use the my

I gave permission to a house guest to use my vehicle to go back and forth to school. He used it later in the evening for a date and while backing the vehicle up hit someone else's vehicle. The police was called. He provided his license and my insurance card. He is not listed on my policy. How does this work?

soez2nv

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Joined: 04 Feb 2009
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Posted: Wed Feb 04, 2009 11:37 am Post subject:

Well, it would depend upon the provider. They can deny the claim as he wasn't a listed driver in your policy. However, since most of the insurers cover a driver who operates the car with the owner's permission, they might even cover this incident. But it'd certainly affect your future premiums. ~Jeremy

JeremyHolter

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Posted: Wed Feb 04, 2009 11:48 am Post subject:

Hey, if you turn the claim to the insure you may get coverage, but there is another way to it....since you have given him the permission only to drive to the school, he actually made an unauthorised use of the car by using it for the date. You may claim that he hasn't had the permission to drive at that time it may save you from paying out the PD claims to the other party. _________________ Register Now to have your Insurance queries solved.

audacious burglar

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Posted: Wed Feb 04, 2009 1:53 pm Post subject:

Quote:

How does this work?

He will be considered a permissive driver and your policy will cover this accident...the damage to the other party and if you have collision coverage the damage to your vehicle as well minus your deductible...This will be an at fault/chargeable accident and most likely you will see a rate increase...also since your vehicle is furnished for his regular use (back and forth to school) your carrier will likely insist that you list him on the policy now..

Quote:

They can deny the claim as he wasn't a listed driver in your policy.

No Jeremy they can't deny ANY claim because the driver is unlisted, only way that can happen is if the driver is specifically excluded..(by name)

Quote:

there is another way to it....since you have given him the permission only to drive to the school, he actually made an unauthorised use of the car by using it for the date.

First the OP did not say that he didn't have permission, and if not expressed most certainly implied permission...

Quote:

You may claim that he hasn't had the permission to drive at that time it may save you from paying out the PD claims to the other party.

Never hold up, and to even begin something like that the OP would have to charge his friend with vehicle theft, have him arrested and charges pressed...still no carrier is going to by the non-permissive use on this one. (my opinion based on over 20 years)
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.

Lori

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