Call Us (915) 599-2900 ☰ ˟
Logo
El Paso - (915) 599-2900 San Antonio - (830) 360-8660
  • Home
  • Online Quote
    • BusinessImage of right arrow
      • Commercial Quote
      • Workers Compensation Form
    • AutomobileImage of right arrow
      • Instant Auto Quote (Quicker Results)
      • Manual Auto Quote (Better Pricing)
    • HomeownersImage of right arrow
      • Homeowners Quote
    • Life & HealthImage of right arrow
      • Life Insurance Quote
    • BondsImage of right arrow
      • Bond Form
    • Contractors
  • About Us
    • About Us
    • Our Pillars
    • Mt. Franklin Insurance In The News
    • Testimonials
    • Contact Us
    • Careers
    • Important Links
  • Blog
  • In the community
  • Español
    • Cotizaciónes en linea
    • Líneas Comerciales
    • Líneas Personales
    • Seguros de auto
    • Seguros de salud y vida
    • Seguro para propietarios de viviendas
  • Make a Payment
Home > Blog > Whose Insurance Do I Use if I Crash Someone Else’s Car?
THURSDAY, OCTOBER 1, 2020

Whose Insurance Do I Use if I Crash Someone Else’s Car?

Whose Insurance Do I Use if I Crash Someone Else’s Car? 

Crashing your own car, while scary, is relatively straight forward when it comes time to filing a claim. You can file a claim with your own insurer and generally receive compensation for damages and injuries you and your passengers may suffer, so long as you have the right insurance. 

But what happens if you crash someone else’s vehicle? Does your car insurance follow you?

 

 

The answer is year and no. Initially, you should be covered under the other person’s car insurance policy. However, if their limits are reached, your own car insurance should cover the rest of your expenses. 

For example, say you cause a wreck in a friend’s car that ends up sending another driver and their passenger to the hospital. Once they have recovered from surgery, they seek compensation from you. Your friend only has minimum liability for their vehicle, which means there are thousands of dollars in medical bills you are still expected to pay. In this case, you should file a claim with your own car insurance policy. Your insurer and your friend’s insurer will generally work together to figure out who will pay what amount. Either way, you should be covered so long as you and your friend have car insurance. 

What Happens if You Crash Without Car Insurance? 

Say you crash your friend’s car but discover they do not have insurance on the vehicle. In this case, you will likely need to file a claim with your own insurance policy. If neither of you have insurance and you crash an uninsured vehicle, things can become more complicated and you could face legal repercussions for driving illegally. 

In an accident involving another person, their uninsured or underinsured motorist policy should cover their damages and injuries you may cause while driving uninsured. Otherwise, you will be expected to pay for your injuries and damages to the vehicle out of pocket. This can get expensive, especially when hospital bills are involved. 

Before getting behind the wheel of someone else’s vehicle, make sure they have car insurance. It is important that they also have more than minimum liability insurance so that you have protection in case of injuries in an accident. Also never only let those you trust drive your vehicle. They should have their own car insurance policy and a valid driver’s license, otherwise they risk not being covered.

Call us today at (915) 599-2900 or visit www.mtfranklin.com to see how we can help you.

 

 

Posted 8:00 AM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2021
  • 2020

  • mt franklin insurance(34)
  • el paso(31)
  • insurance(26)
  • tx(15)
  • commercial insurance(14)
  • business insurance(14)
  • homeowners insurance(11)
  • local insurance(11)
  • home insurance(10)
  • auto insurance(9)
  • homeowners(8)
  • car insurance(8)
  • house(7)
  • house insurance(7)
  • local business insurance(5)
  • home(4)
  • life insurance(4)
  • life and health insurance(4)
  • business(3)
  • driving(3)
  • bop(3)
  • car(3)
  • commercial(3)
  • local commercial insurance(3)
  • auto(3)
  • property insurance(3)
  • business owners policy(3)
  • mtfranklininsurance(2)
  • water damage(2)
  • elpasoinsurance(2)
  • life(2)
  • commercial insurance in el paso(2)
  • local auto insurance(2)
  • bop's(2)
  • health(2)
  • cheapinsurance(2)
  • health insurance(2)
  • local car insurance(2)
  • business & commercial auto(1)
  • fall risks in business(1)
  • homeowner(1)
  • auto insurance premium(1)
  • homebuyers(1)
  • family(1)
  • insured vehicle(1)
  • pets(1)
  • liabilityinsurance(1)
  • rain damage(1)
  • homeowners policy(1)
  • accident(1)

View Mobile Version
Logo

El Paso: (915) 599-2900
San Antonio: (830) 360-8660
Fax: (915) 921-5550
E-mail: Info@MtFranklin.com


icon a drawing of a face a drawing of a face
© Copyright. All rights reserved | Powered by Insurance Website Builder