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    s.wheel's Avatar
    s.wheel Posts: 1, Reputation: 1
    New Member
    		  
    #1

    Dec 11, 2009, 04:21 AM
    Driving someone else car with no insurance and had a small accident
    I had an accident in my friend car, I thought my insurance corved me but when looking through my paper work it dose not. I've been driving for less yhen two year and would like to know how much trouble I am in? Any info would help thank you
    excon's Avatar
    excon Posts: 21,482, Reputation: 2992
    Uber Member
    		  
    #2

    Dec 11, 2009, 08:23 AM

    Hello s:

    If you HAVE collision coverage for your own car, you probably have it for the borrowed one. So, instead of trying to READ it yourself, I'd just make a claim. If you're not covered, they'll tell you.

    But, you're probably covered. Collision insurance is insuring YOU, and not your car.

    excon
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
    Computer Expert and Renaissance Man
    		  
    #3

    Dec 11, 2009, 08:30 AM

    And, if you aren't covered, you won't be in any legal trouble. You had insurance on your car.

    As long as you had permission to use your friend's car, there is no legal implication.

    But if neither he nor you are covered then you will be on the hook for the cost of repairs.
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
    Expert
    		  
    #4

    Dec 11, 2009, 08:03 PM

    Well

    You will get a ticket for driving with no insurance ( you drove a car without insurance) ** assume the police officer gave you a ticket

    You and the owner of the car can be sued for any and all damages ( unless your car insurance will pay for it)

    Your drivers license can be suspended until any and all damages are paid or payment plan in place.
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
    Computer Expert and Renaissance Man
    		  
    #5

    Dec 11, 2009, 08:41 PM

    The way I read this is that the OP did have insurance, but it may not cover driving someone else's car. Its not clear whether the onwner of the car had insurance. I don't sww the OP breaking any laws.
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
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    #6

    Dec 11, 2009, 09:05 PM

    Well here in GA, the insurance is on the car, if THAT car did not have liability insurance that is against the law, in fact a fairly serious law. Here if the car being driven is not insured, we tow it into impound and it stays there till it gets insurance. Also the driver is charged with no insurance and it carries a fine of @ 1000 dollars.

    The fact they may or may not have insurance on another car has nothing to do with it what so ever.
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