QUESTION
Do I count as being insured because I had permission?
Asked on Aug 31st, 2013 on Personal Injury - Utah
More details to this question:
I am 17 years old and I was driving my sister’s car when the accident occurred. I made a lane change without checking my blind spot and tapped a car beside me going about 60 miles an hour. I am licensed and while I did have permission to drive the car, I am not insured by the auto insurance plan on the car. If the driver I collided with makes a claim to have his car repaired will his insurance company come after me? And if so what if I have no money to speak of?
7 ANSWERS
Ronald A. Steinberg
If you were a permitted driver (and if not specifically restricted by your sister's insurance company), her insurance will cover you.
Answered on Sep 05th, 2013 at 8:25 AM
Yes, you would be covered as a permissive driver.
Answered on Sep 04th, 2013 at 11:00 AM
Permission to drive the car is irrelevant. It depends on what insurance you personally carry and what insurance the car owner had. Many mid to high range insurance policies protect the car and its owner if the car is driven by a licensed driver. Similarly, many insurance policies protect the driver regardless whether he is driving his own car or someone else. However, neither of these policies are true for all types of insurance, thus this is an issue to resolve with your own insurance and the car owners insurance first. If neither protects you, then the driver of the other car could come after you personally for repair costs.
Answered on Sep 03rd, 2013 at 5:53 PM
James Eugene Hasser
Permissive drivers are covered under the insurance policy even though not specifically named. Good luck.
Answered on Sep 03rd, 2013 at 1:49 PM
Thomas Edward Gates
You are not covered just because you had permission to drive the car. Your sister could be the liable party since she gave you permission to drive the car.
Answered on Sep 03rd, 2013 at 10:57 AM
Personal Injury Attorney serving Charlotte, NC
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If you were operating the vehicle with permission you should be covered. Doesn't make any difference if you don't have money. if you cause damage you are liable to pay the damage
Answered on Sep 03rd, 2013 at 10:17 AM
Personal Injury Attorney serving Salt Lake City, UT
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William Enoch Andrews Injury Lawyer
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Since you "had permission" you are called in Utah a "permissive user" which means that the insurance that covered your sister's car should cover you. So, the insurance should pay for the property damage (car damage) and the bodily injury (harm to a person), if any, that happened from the auto accident and represent the named insured on your behalf if there is litigation.
Answered on Sep 03rd, 2013 at 10:02 AM