if my uninsured friend wrecks my car and my insurance wont c

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Fri Mar 15, 2013 12:14 am   Post subject: if my uninsured friend wrecks my car and my insurance wont c  

my friend ran my car into an a house and i was in it as well my insurance will not cover it because my friend is uninsured so is the damages on me because its my car or her because she was driving

birdsongcameron
New member
Leave a quick message



Joined: 15 Mar 2013
Posts: 1


1.15 Dollars($)

PostPosted: Fri Mar 15, 2013 11:26 am   Post subject:   

Since your friend was uninsured, if you reveal that she was behind the wheels, your claim is likely to get rejected.

MangoQurious
Senior member
Leave a quick message

MangoQurious

Joined: 12 Mar 2013
Posts: 270

Location: Sacramento, CA
61.23 Dollars($)

PostPosted: Fri Mar 15, 2013 11:45 am   Post subject:   

You may be liable to pay for the damages since the car was yours. However, you may claim your policy's compensation on grounds of 'bodily injury liability.'



Or else you can also file your claim on the basis of under-insured motorist coverage since your friend doesn't have any insurance policy.

adamsarthur87
Preferred member
Leave a quick message

adamsarthur87

Joined: 14 Aug 2012
Posts: 140


11.53 Dollars($)

PostPosted: Fri Mar 15, 2013 1:07 pm   Post subject:   

Quote:
However, you may claim your policy's compensation on grounds of 'bodily injury liability.'
This would be incorrect. An insured cannot file a bodily injury claim under their own policy. An insured cannot be liable to themselves. The OP could attempt to collect from the driver. But as mentioned, the driver does not have any good way to pay the OP. So good luck with that. If the OP's carrier is not going to consider the drivers an "insured" (they should), then the OP's carrier could consider and uninsured motorist claim if he/she has that coverage.



Quote:
my friend ran my car into an a house and i was in it as well my insurance will not cover it because my friend is uninsured so is the damages on me because its my car or her because she was driving
This does not make sense (not just referring to the grammar).



Your friend obviously had your permission to use the vehicle as you were in it. If it was intentional or if some other exclusion under the policy applied to the driver, that exclusion probably would not apply to you. You as the owner are probably responsible for the use of your vehicle as well as the driver. So perhaps your carrier is going to cut the driver loose from coverage but why would they deny _you_ coverage? You need to ask them this.



Are you saying that they won't provide liability coverage for the damage to the home or that they won't provide collision coverage to have your vehicle repaired? Or both? You need to post better/more information. If they sent you a written denial, what does it state? If they have not sent a written denial then the claim has not been denied.
tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 6175

Location: Salt Lake City, UT
375.37 Dollars($)

All times are GMT
Page 1 of 1


Get free auto insurance quote
State Auto Insurance Laws in USA

USA Auto Insurance laws
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused