AUTO INSURANCE LIABILITY, HER MOTHERS OR MINES?
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UPDATED: Jun 6, 2013
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Insurance Question from Bronx, NY
Asked on 06/06/2013
AUTO INSURANCE LIABILITY, HER MOTHERS OR MINES? MY DAUGHTER IS ON HER MOTHERS AUTO POLICY AS A DRIVER, IF i LET HER USE MY CAR AND SHE GETS INTO A CAR ACCIDENT GOD FORGIVE, WHICH COMPANY IS LIABLE MINES OR HER MOTHERS?
Answer given on June 17, 2013
In auto insurance, the insurance follows the car. Therefore, if your daughter is driving your car and causes an accident, your insurance will pay for the damages caused both to the other party and your car if you have collision insurance. The deductible for the collision coverage will apply before repairs will be made to your car.Presuming your daughter does not live with you, your insurance rates will not be affected by the accident. However, the accident would go on your daughter’s record and could increase the rates for the mother’s auto insurance, since she is listed on that policy as a driver. An increase would depend upon the amount of damage in the accident.Your insurance company may ask about your daughter. In that case you would provide them with the name and policy number of the insurance company that insures her. Then you would not be required to add her to your policy.
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