My girl friend and I both have our own insurances and cars. I was wondering if its OK for us to switch cars sometimes? Lets say, god forbid accident happen, will insurance give us hard time paying for it?

 

yes! insurance's are pains in the ass.. unless u and her are on the same policy with both of your cars on the policy ur not covered in her car and shes not covered in yours.

 

I think you are wrong, they can't simply deny a coverage...

 

check your individual policy. usually if you're not living together, you can drive each other's car w/o problems from the ins. co.

 

Normally it would go back to the person who was driving, their insurance. Your policy should cover you even when driving someone else's car, thus the reason when using a loaner from a dealer they want your insurance company. They may have to subro against your insurance company after hers takes care of the damages, but you will be covered by your own policy.

 

Thats what I thought, I actually called insurance, all they care is about people living in your house hold and the place you garage/park your car overnight....

 

I disagree. Insurance is the responsibility of the owner, if the owner gives permission for another person to drive his/her car. If the owner's insurance can't cover the complete claim then the driver's insurance picks up the rest.

 

Yes, but if both of us have insurance, then we should be covered, right? It would only be a matter of determining whose insurance will be paying

 

And at that point it would be up to the insurance companies to worry about. All you need to worry about is getting the accident resolved completely, the insurance company will resolve the money issues with one another.

 

My insurance agent said any claim involving my vehicle goes on record with them. If I'm driving or not. If I fail a claim or someone else does.

They were not very specific on how it would affect my policy. Probably depends on the circumstances and my history.

 

Of course, any claim where the insurance company has to cough up money or may have been liable for something goes on record. And the way it affects your policy depends on how the situation affected their wallets.

 

Yeah, I don't see how it's possible for either of your insurance companies to deny you coverage.

 

the car, not the driver, is what is insured....for example if someone steals your car and is in an accident - your policy is lible.

 

Yes you both have coverage. you stated you called your insurance co and they asked who was living with who. they are looking to see if there are ant other permissive users on the policy. if you are driving your girlfriends car and cause an accident, her collision coverage would be used and vice versa. if you loan your car to a friend and they cause an accident, your collision and liability coverage will be used

 

PJC is correct. it is the car which is insured. all registered cas must be insured (in my state anway). in the event of an accident the car owner's insurance is what pays the damages.

so just be VERY VERY careful when loaning your car. personally i wouldn't recommend it.

 

I wouldn't do it. the car is insured no matter who drives it.

But the insurance does know who is driving it, and if that person is not listed on your policy then (depending on your policy) they probably won't cover the car if it was driven by someone not listed on your policy if there was an accident.

The only thing you could probably get away with is anything that happens to your car that would fall under the "comprehensive" portion of your policy because there is no way of the insurance company knowing who drove your car when something hit your car when it was parked or in motion, or if your windsheild cracks...

It's the collision portion you really gotta worry about..

 

They will cover the car (personal and property liability), if you give anyone permission to drive your car. It is the owner's responsibility who drives his/her car.

 

Remember, every state has different insurance laws. In NJ the person is covered as long as the person driving is a permissive user. a permissive user is basically anyone you give permission to either directly or implied.

 

phipark & NJTypeS both of you guys are right,

I guess the point I was tryin to make was that it all depends on your insurance company and it's policy. So if you are really worried about your insurance you gotta read the fine print of your policy or ask your insurance agent.