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jsmarshall · Mar 22, 2012, 06:22 PM

My husbands insurance was 6 hours away from going into effect. He was driving my Mother's car with her permission, and it is insured. He was rear ended by a lady who was texting on her phone. What is his recourse, and will he be in trouble legally since his insurance hadn't gone into effect yet? Or is he fine since the car was insured, and the accident wasn't his fault? Also, he has some whiplash and should he contact her inurance company or what? Thank you in advance!

Wondergirl · Mar 22, 2012, 06:31 PM

The other driver was at fault so her insurance will pay for damage and any injuries.

Did your mother give him permission to drive her car? (Oooops, you said she did.) If so, he's covered by her insurance. And he may be already covered by his own if he has paid for it and has a cancelled check or some proof that he has paid.

The other driver's insurance and your mom's insurance should get reports (police, any witnesses, each driver's) and hash this out.

ballengerb1 · Mar 22, 2012, 07:14 PM

Can't give WG a greenie yet but she is on the mark 100%. Keep in mind WG did ask a question which is still hanging out there, did he have your mom's permission?

Fr_Chuck · Mar 22, 2012, 07:15 PM

What insurance was he buying, was he buying insurance for the car he was driving or another car, If another car what does that have to do with it, since that was not the car in the wreck.

Unless he was listed as not allowed to drive the car, he should be insured.

xoxocjc · Mar 22, 2012, 07:35 PM

I'm not completely sure, but I think he will be fine because the car he was driving was insured and it wasn't even his fault, so if anything the other lady is going to be paying for any damage costs. Call your insurance company to make sure. But, I think it will be fine !

Wondergirl · Mar 22, 2012, 07:37 PM

Originally Posted by ballengerb1

Can't give WG a greenie jus yet but she is on the mark 100%.

Thanks. It pays to have worked for State Farm. It got me a Sunbeam toaster oven one Christmas (1969) and still have it and use it.

Wondergirl · Mar 22, 2012, 07:38 PM

Originally Posted by Fr_Chuck

What insurance was he buying, was he buying insurance for the car he was driving or another car, If another car what does that have to do with it, since that was not the car in the wreck.

State Farm will also consider his own insurance, say, for medical (or at least, used to back in the day).

ScottGem · Mar 23, 2012, 03:57 AM

First, insurance is on the vehicle, not the driver. So his insured status shouldn't matter. Second, since it was her fault, his mother should file a claim with the other driver's insurer which would include his medical bills. Her liability should pay for any damages. She should inform her carrier of the incident, but not file a claim.

Wondergirl · Mar 23, 2012, 07:27 AM

Originally Posted by ScottGem

First, insurance is on the vehicle, not the driver.

P.S. I just checked with my SF agent. That company will cover the driver in special situations, e.g. he is a SF insured but is hit while driving an uninsured vehicle.

ballengerb1 · Mar 23, 2012, 07:32 AM

Pretty much what I thought WG. You do insure the car but if I drive another vehicle or rental my company, Country Company, extends coverage to me on the other vehicle. In this case, I don't see his or his mother-in-laws insurance having to pay anything but they should be informed of the accident in case the woman at fault has an insurance "hickup" Who really knows for sure that she has coverage.

ballengerb1 · Mar 23, 2012, 08:23 PM

OK who is playing with my post now? This was listed in my profile as a greenie and still is, the post showed that earlier today. Now my "comments on this post" looks like what you see in post #10. Is this the work of trolls or hackers or what, makes no sense.