Quote:
Originally Posted by Rogue Leader
You might wanna be a bit more careful about making accusations that I don't know what I am talking about.
I was up until 2 years ago a licensed insurance agent in 40 states. so I DO know what I am talking about.
While the coverage is designed to cover you, insurance follows the vehicle. You are covered for your car, or if you rent a car, as well you are covered for excess if you borrow someones insured vehicle beyond what their policy covers.
You however are NOT covered for collision if you borrow and do not own a car. Insurance is for the protection of YOU and your insurable interests. When you buy an auto insurance policy you are paying to insure property that you own or have an insurable interest in (such as if you lease a car you still have insurable interest even thought he bank owns it). The difference if you're buying a car is you do have insurable interest there, if the title is in your posession (say you are buying a car from a guy one town over and you drive it home from his place without registering it or calling your company, that IS covered because you have insurable interest).
A car you borrowed form someone with no insurance on it will not be covered.
Now I will admit to being slightly wrong here, as ssump you are in Michigan which has some whacked out insurance laws. But the only reason your policy covered the car is because it was insured in the first place. Also were you on the same policy or a subset of the same policy as your brother at the time?
The OP is from NY. This does not apply. He has no coverage for it except for the situations I mentioned as per NYS insurance guidelines.
Before you make suggestions get your facts straight, or call your insurance company for clarification.
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No, and No two different policy two different insurance companies. I have progressive and he has all state. When I made the claim I was told that my insurance covers me and my cars, but if I was driving another car that belongs to someone else that my insurance would cover the damages. However I was told that if I was driving a car on my own policy that I had taken insurance off of and had any situation where the car was damaged that it would an out of pocket expense.
Although my brother did have his car insured, his insurance company was never involved in the claim and never knew of the accident.
But yes every state is different and sometimes every insurance company is different also in what they will pick up.