by Joey Sunday » Sun Apr 26, 2009 08:37 pm
Legal question.
My daughter is 17 with a full PA drivers license.
Her best friend was out of town. The best friend has a car - not hers, but its one of her parents, but she drives it all the time. Friend says to my kid, "you can borrow my car this weekend if you want, I'm out of town". I have no knowledge of this, neither does the other parents.
Well, my kid borrows the car, picks up a friend, and gets into an accident at a dangerous intersection. Both cars are totalled - the other cars driver and passenger request to go to the hospital. My kid and her friend decline, they were ok. No tickets were issued.
After thanking God everyone is ok, I call my insurance agent. He says that the insurance follows the vehicle, not the driver, so unfortunately, its up to BFF's dad to deal with all this. I call him and we have a cordial talk - he's really not sounding too upset, more concerned about the kids being ok.
Once I get my kid home, I give her the hug, the tears flow from her, then she gets the lecture. Grounded till forever and don't even think about driving again for at least 6 months. Not letting us know she's driving someone else's car? WTF was she thinking?
A day later, I'm talking to the dad again. I tell him about the insurance issue and I'll cover any deductible on his policy. He's still cool about it, his biggest worry now is being without the car. So I'm telling him that he needs to check his insurance, it should cover rentals, but if it doesn't, I'll take care of it. He says he has collision, which should cover the cost of the vehicle - a 98 Honda with 110K.
Where it gets sticky is - technically, the car isn't his daughters, she's just listed as a secondary driver. So technically, she doesn't have the right to say who drives the car. It would fall on the dad, who obviously wouldn't let anyone else drive the car. We haven't discussed this issue yet, we're still waiting for the insurance offices to open Monday. Where it gets stickier is my kid has had her license for only two months - she was covered under our policy when she had her permit, but once she became a full fledged PA driver, it would increase our insurance $100/month. She was saving up for it at the time of the accident - until she was able to pay her insurance, we weren't putting her on our policy. So I'm not even sure she would be covered under ours.
I'm trying to be as cordial as I can about this. Unfortunately, this looks like its not going to go away easy. The thing that is getting to me is - the dad isn't holding his daughter in any way responsible for lending out the family car. I ground the shit out of my kid, yet BFF gets off and was out last night partying. If my kid pulled that stunt, I'd kill her.
Am I screwed?
My daughter is 17 with a full PA drivers license.
Her best friend was out of town. The best friend has a car - not hers, but its one of her parents, but she drives it all the time. Friend says to my kid, "you can borrow my car this weekend if you want, I'm out of town". I have no knowledge of this, neither does the other parents.
Well, my kid borrows the car, picks up a friend, and gets into an accident at a dangerous intersection. Both cars are totalled - the other cars driver and passenger request to go to the hospital. My kid and her friend decline, they were ok. No tickets were issued.
After thanking God everyone is ok, I call my insurance agent. He says that the insurance follows the vehicle, not the driver, so unfortunately, its up to BFF's dad to deal with all this. I call him and we have a cordial talk - he's really not sounding too upset, more concerned about the kids being ok.
Once I get my kid home, I give her the hug, the tears flow from her, then she gets the lecture. Grounded till forever and don't even think about driving again for at least 6 months. Not letting us know she's driving someone else's car? WTF was she thinking?
A day later, I'm talking to the dad again. I tell him about the insurance issue and I'll cover any deductible on his policy. He's still cool about it, his biggest worry now is being without the car. So I'm telling him that he needs to check his insurance, it should cover rentals, but if it doesn't, I'll take care of it. He says he has collision, which should cover the cost of the vehicle - a 98 Honda with 110K.
Where it gets sticky is - technically, the car isn't his daughters, she's just listed as a secondary driver. So technically, she doesn't have the right to say who drives the car. It would fall on the dad, who obviously wouldn't let anyone else drive the car. We haven't discussed this issue yet, we're still waiting for the insurance offices to open Monday. Where it gets stickier is my kid has had her license for only two months - she was covered under our policy when she had her permit, but once she became a full fledged PA driver, it would increase our insurance $100/month. She was saving up for it at the time of the accident - until she was able to pay her insurance, we weren't putting her on our policy. So I'm not even sure she would be covered under ours.
I'm trying to be as cordial as I can about this. Unfortunately, this looks like its not going to go away easy. The thing that is getting to me is - the dad isn't holding his daughter in any way responsible for lending out the family car. I ground the shit out of my kid, yet BFF gets off and was out last night partying. If my kid pulled that stunt, I'd kill her.
Am I screwed?
Posted: Sat May 23, 2009 09:41 am Post Subject:
I've never heard so many contradictory statements from one person,
Ok, so now I get a call from an agent for the dad's policy, stating although she was given permissible use by the girl, the girl is not a named insurant (?) on the policy. I ask, "so, does that mean she wasn't on the policy?" He states that yes, she is on the policy but just because she is listed, does NOT give her the right to lend out the car since she is not the owner.
One time she wasn't on the policy, at the next time she was but hadn't had the permission to lend the car out. :?
Anyway, what are the odds that Joye would be responsible for paying out the damages? I still fail to see how she can be held liable for the damages.
Posted: Sat May 23, 2009 10:35 am Post Subject:
Looks like this will be a slugfest between the insurance companies
yep...i still think it will go back to them....PA could have a some odd wording in their policy, but if so why so long in the denial? Their denial will help your carrier anyway with their coverage investigation.I'm with you Jeorge...
Posted: Mon May 16, 2011 07:23 pm Post Subject: YjYnfnccOrwEBSFOkU
Secondary driver permission 2.. Nice :)
Posted: Fri Jun 03, 2011 09:52 am Post Subject: yGnwczNZsIoP
Secondary driver permission 2.. Awful :)
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