Does my auto insurance fix a leased car?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 17, 2012

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Insurance Question from Lancaster, PA

Asked on 03/17/2012

Does my auto insurance fix a leased car? I leased a car about a year ago, but never changed my auto insurance over until two monthes after I got the car. I dealership never said anything to me and I never thought twice about it. The car was stolen and wrecked. I only had basic insurance. My insurance doesn't want to pay it. Was it their responsability to make sure I had the right coverage before I left the lot with the car. Who pays for this

Answer given on March 18, 2012

When you lease a car a part of the contract specifies that you must purchase insurance on the car and name the leasing company as an additional insured. This is very standard throughout the insurance and leasing company industries.Usually the leasing company will contact your insurance agent or company to confirm there is proper insurance on the car. Certain limits of liability are required along with physical damage coverage (comprehensive and collision) with maximum deductibles outlined. However, the leasing company is not required to follow up on this. It is your responsibility.When you changed your insurance to the new car, the agent or company should have asked if there was a lease or loan, but again, it is not their responsibility. YOU signed the lease so it falls back on you. Based on this, you are responsible to the leasing company for the damages to the car or its value if it was totaled.

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