Posted: 10/6/2016 6:01:05 PM EDT
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Suppose my father in law was living with me.
And he died a few months ago. The car is registered to him and he has Allstate insurance. The insurance lapsed because nobody was using the car and title needs to be transferred to his daughter. The car was not in my name. The insurance was not in my name. The only connection I have with the car is that my address is on the title and registration. and expired insurance policy. Suppose I just watched my sister in law, the executor of the will, drive away in the uninsured car. This taking place after I told her emphatically that the car was uninsured. I just called my insurance company and they said I would not be liable for the damages if the car was in a wreck. Because it's not I'm my name and I'm not driving. I'm kind of in shock that a homeowner would drive off in an uninsured car. Because WTF. You hit a Mercedes and you might end up paying out $60,000. Crush the guys foot and the bill goes to $500,000+ What say ye? This incident of tard-ness has occurred in PA. Thanks in advance for any help. I work in heavy construction, if someone gets a hangnail, the lawsuits go on for decades. So I'm looking for confirmation on what my insurer told me. |
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I'm not an insurance guy, but your auto insurance policy typically covers your liability in any street vehicle you drive, as long as it isn't for commercial purposes. Posted Via AR15.Com Mobile taxes and insurance is the most confusing thing on the planet earth so if I drive a car with an expired insurance policy, my policy covers it? WTF why would the insurance go along with that? |
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Quoted: taxes and insurance is the most confusing thing on the planet earth so if I drive a car with an expired insurance policy, my policy covers it? WTF why would the insurance go along with that? Quoted: Quoted: I'm not an insurance guy, but your auto insurance policy typically covers your liability in any street vehicle you drive, as long as it isn't for commercial purposes. Posted Via AR15.Com Mobile taxes and insurance is the most confusing thing on the planet earth so if I drive a car with an expired insurance policy, my policy covers it? WTF why would the insurance go along with that? You are the Named Insured. If you borrow someone's car and wreck it, then both your auto insurer and the vehicle owner's insurer would get together and divide up the liability. When you buy a new vehicle, you usually get the same coverage that you have on your other vehicles extended to that new vehicle for a short period (thirty days in some states). You policy typically covers all the licensed drivers in your household, unless they have their own insurance. In your case, the vehicle was not driven by anyone in your household, nor is it listed on your policy. You did what you could, but I can't see where you could be held liable. Plus, your insurance company said you weren't on the hook. This is my internet opinion, and it is not binding coverage, nor is it an attempt to offer coverage. This opinion has been offered for entertainment value only. <---former USAA ins rep |
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You are the Named Insured. If you borrow someone's car and wreck it, then both your auto insurer and the vehicle owner's insurer would get together and divide up the liability. When you buy a new vehicle, you usually get the same coverage that you have on your other vehicles extended to that new vehicle for a short period (thirty days in some states). You policy typically covers all the licensed drivers in your household as long as they are listed on the policy, unless they have their own insurance. In your case, the vehicle was not driven by anyone in your household, nor is it listed on your policy. You did what you could, but I can't see where you could be held liable. Plus, your insurance company said you weren't on the hook. This is my internet opinion, and it is not binding coverage, nor is it an attempt to offer coverage. This opinion has been offered for entertainment value only. <---former USAA ins rep Quoted:
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I'm not an insurance guy, but your auto insurance policy typically covers your liability in any street vehicle you drive, as long as it isn't for commercial purposes. As long as it is paid and in force. Posted Via AR15.Com Mobile taxes and insurance is the most confusing thing on the planet earth so if I drive a car with an expired insurance policy, my policy covers it? WTF why would the insurance go along with that? You are the Named Insured. If you borrow someone's car and wreck it, then both your auto insurer and the vehicle owner's insurer would get together and divide up the liability. When you buy a new vehicle, you usually get the same coverage that you have on your other vehicles extended to that new vehicle for a short period (thirty days in some states). You policy typically covers all the licensed drivers in your household as long as they are listed on the policy, unless they have their own insurance. In your case, the vehicle was not driven by anyone in your household, nor is it listed on your policy. You did what you could, but I can't see where you could be held liable. Plus, your insurance company said you weren't on the hook. This is my internet opinion, and it is not binding coverage, nor is it an attempt to offer coverage. This opinion has been offered for entertainment value only. <---former USAA ins rep Couple of changes for accuracy in red. |
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You are confusing liability with coverage.
An automobile policy provides coverage for losses as described in that policy. It covers the named insured and any driver who uses it with permission. If the policy is lapsed, then there exists no coverage. Liability is a legal term that revolves around fault for an accident. In the example that you state, you have no ownership in the vehicle, and there exists no in-force insurance policy. That greatly limits your exposure to liability. If an accident occurs, fault will have to be determined based on the circumstances. If the driver of the uninsured vehicle is found to be at fault, then they are financially liable for the damages resulting from that accident. If you had sole care, custody and control of the vehicle (regardless of ownership or in-force insurance) and knew or should have known that whomever you allowed to drive the vehicle was incapable of operating a vehicle in a safe manner, then a court could potentially hold you liable for any damages resulting of an at-fault accident. In short, while exceptions may arise, your exposure to any liability arising from the use of a vehicle that you neither own nor insure is very, very limited. |
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There are two parts of an auto insurance policy. Liability and comprehensive/collision.
The comp/collision covers damage to the car on the policy. The cause can be just about anything: falling branches, hail, runaway grocery Carts. The liability portion covers damage caused by the driver. It's confusing because it's still called auto insurance instead of drivers insurance. It extends to any car you temporarily drive, be it a rental, a loaner, or even your dead relative's car. Posted Via AR15.Com Mobile |
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Couple of changes for accuracy in red. Quoted:
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I'm not an insurance guy, but your auto insurance policy typically covers your liability in any street vehicle you drive, as long as it isn't for commercial purposes. As long as it is paid and in force. Posted Via AR15.Com Mobile taxes and insurance is the most confusing thing on the planet earth so if I drive a car with an expired insurance policy, my policy covers it? WTF why would the insurance go along with that? You are the Named Insured. If you borrow someone's car and wreck it, then both your auto insurer and the vehicle owner's insurer would get together and divide up the liability. When you buy a new vehicle, you usually get the same coverage that you have on your other vehicles extended to that new vehicle for a short period (thirty days in some states). You policy typically covers all the licensed drivers in your household as long as they are listed on the policy, unless they have their own insurance. In your case, the vehicle was not driven by anyone in your household, nor is it listed on your policy. You did what you could, but I can't see where you could be held liable. Plus, your insurance company said you weren't on the hook. This is my internet opinion, and it is not binding coverage, nor is it an attempt to offer coverage. This opinion has been offered for entertainment value only. <---former USAA ins rep Couple of changes for accuracy in red. Except for permissive use... |
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Quoted: Couple of changes for accuracy in red. Quoted: Quoted: Quoted: Quoted: I'm not an insurance guy, but your auto insurance policy typically covers your liability in any street vehicle you drive, as long as it isn't for commercial purposes. As long as it is paid and in force. Posted Via AR15.Com Mobile taxes and insurance is the most confusing thing on the planet earth so if I drive a car with an expired insurance policy, my policy covers it? WTF why would the insurance go along with that? You are the Named Insured. If you borrow someone's car and wreck it, then both your auto insurer and the vehicle owner's insurer would get together and divide up the liability. When you buy a new vehicle, you usually get the same coverage that you have on your other vehicles extended to that new vehicle for a short period (thirty days in some states). You policy typically covers all the licensed drivers in your household as long as they are listed on the policy, unless they have their own insurance. In your case, the vehicle was not driven by anyone in your household, nor is it listed on your policy. You did what you could, but I can't see where you could be held liable. Plus, your insurance company said you weren't on the hook. This is my internet opinion, and it is not binding coverage, nor is it an attempt to offer coverage. This opinion has been offered for entertainment value only. <---former USAA ins rep Couple of changes for accuracy in red. Not the part about being listed on the policy, at least for USAA policies. This gets to be a big drama point when teenagers get their license. The parents don't add them to the policy because they either forget or they don't want their premiums to go thru the roof. So what happens is when the insurance company finds out about it, thru a claim or data mining (yup, they data mine the shit out of their insureds), they will simply back bill you for the coverage on that teenage driver. And they will rate that driver against the vehicle with the highest ISO rating, which means they really stick it up deep and hard. |
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MYOB....why are you getting worked up over what your sibling does? 
Because I work in construction and lawsuits are constant. I don't understand in surance and I don't understand the law. I just know that when some workman fires a nailgun through his hand, everyone in sight gets sued. I don't give a flying fuck what happens with this car beyond my own liability. You might have noticed that's the subject of the thread. |
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Why would you be responsible for damage? ???? why would a blender company have to pay out when you get drunk and stick your hand in there and get your fingers torn off? where have you guys been? If you follow common sense, that will not lead you to the correct answer regarding liability. |
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Not the part about being listed on the policy, at least for USAA policies. This gets to be a big drama point when teenagers get their license. The parents don't add them to the policy because they either forget or they don't want their premiums to go thru the roof. So what happens is when the insurance company finds out about it, thru a claim or data mining (yup, they data mine the shit out of their insureds), they will simply back bill you for the coverage on that teenage driver. And they will rate that driver against the vehicle with the highest ISO rating, which means they really stick it up deep and hard. Quoted:
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I'm not an insurance guy, but your auto insurance policy typically covers your liability in any street vehicle you drive, as long as it isn't for commercial purposes. As long as it is paid and in force. Posted Via AR15.Com Mobile taxes and insurance is the most confusing thing on the planet earth so if I drive a car with an expired insurance policy, my policy covers it? WTF why would the insurance go along with that? You are the Named Insured. If you borrow someone's car and wreck it, then both your auto insurer and the vehicle owner's insurer would get together and divide up the liability. When you buy a new vehicle, you usually get the same coverage that you have on your other vehicles extended to that new vehicle for a short period (thirty days in some states). You policy typically covers all the licensed drivers in your household as long as they are listed on the policy, unless they have their own insurance. In your case, the vehicle was not driven by anyone in your household, nor is it listed on your policy. You did what you could, but I can't see where you could be held liable. Plus, your insurance company said you weren't on the hook. This is my internet opinion, and it is not binding coverage, nor is it an attempt to offer coverage. This opinion has been offered for entertainment value only. <---former USAA ins rep Couple of changes for accuracy in red. Not the part about being listed on the policy, at least for USAA policies. This gets to be a big drama point when teenagers get their license. The parents don't add them to the policy because they either forget or they don't want their premiums to go thru the roof. So what happens is when the insurance company finds out about it, thru a claim or data mining (yup, they data mine the shit out of their insureds), they will simply back bill you for the coverage on that teenage driver. And they will rate that driver against the vehicle with the highest ISO rating, which means they really stick it up deep and hard. Thanks guys |
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Suppose my father in law was living with me. And he died a few months ago. The car is registered to him and he has Allstate insurance. The insurance lapsed because nobody was using the car and title needs to be transferred to his daughter. The car was not in my name. The insurance was not in my name. The only connection I have with the car is that my address is on the title and registration. and expired insurance policy. Suppose I just watched my sister in law, the executor of the will, drive away in the uninsured car. This taking place after I told her emphatically that the car was uninsured. I just called my insurance company and they said I would not be liable for the damages if the car was in a wreck. Because it's not I'm my name and I'm not driving. I'm kind of in shock that a homeowner would drive off in an uninsured car. Because WTF. You hit a Mercedes and you might end up paying out $60,000. Crush the guys foot and the bill goes to $500,000+ What say ye? This incident of tard-ness has occurred in PA. Thanks in advance for any help. I work in heavy construction, if someone gets a hangnail, the lawsuits go on for decades. So I'm looking for confirmation on what my insurer told me. If your father in laws policy was still active it would be considered primary, with your sister in laws auto policy being secondary. There should be specific verbiage in her policy regarding the definition of an insured vehicle. Absent a specific exclusion, her policy should become primary in the event of an accident. If she continues to drive the vehicle on a regular basis though, all bets are out the window. (This is based on AZ, and may not even be remotely accurate in your area.) |
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Quoted: ???? why would a blender company have to pay out when you get drunk and stick your hand in there and get your fingers torn off? where have you guys been? If you follow common sense, that will not lead you to the correct answer regarding liability. Quoted: Quoted: Why would you be responsible for damage? ???? why would a blender company have to pay out when you get drunk and stick your hand in there and get your fingers torn off? where have you guys been? If you follow common sense, that will not lead you to the correct answer regarding liability. You can sue a ham sammich if you have the filing fees. That doesn't mean you actually have standing for the case to be heard, that you will prevail, and even if you do prevail that you will recover any damages. |
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???? why would a blender company have to pay out when you get drunk and stick your hand in there and get your fingers torn off? where have you guys been? If you follow common sense, that will not lead you to the correct answer regarding liability. Quoted:
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Why would you be responsible for damage? ???? why would a blender company have to pay out when you get drunk and stick your hand in there and get your fingers torn off? where have you guys been? If you follow common sense, that will not lead you to the correct answer regarding liability. Blender co. has money, sounds like you don't. The car isn't in your name. |
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Blender co. has money, sounds like you don't. The car isn't in your name. Quoted:
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Why would you be responsible for damage? ???? why would a blender company have to pay out when you get drunk and stick your hand in there and get your fingers torn off? where have you guys been? If you follow common sense, that will not lead you to the correct answer regarding liability. Blender co. has money, sounds like you don't. The car isn't in your name. See my post a ways up. |
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she'll get sued? (the driver) or I'll get sued? (the residence) Quoted:
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Hope she has a blanket policy because if she does enough damage she's going to get sued... she'll get sued? (the driver) or I'll get sued? (the residence) Her - both personally & as the estate. It has nothing to do with you (unless the house is part of the estate). |