Quote:
Originally Posted by TurboNarwhal
I dont know anyone who doesnt have an insured vehicle. For permissive use my insurance would more than likely cover it and what it doesnt their insurance would. Would it be a pain in the ass to deal with 2 insurance companies if worst case scenario happened? Hell yeah but the odds of someone crashing my car are so small I will worry about dealing with the insurance if that ever happens.
Its not like Someone else is driving my car every single day, mine sits in my driveway more often than not but most everyone I am close with have driven it at some point.
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Yes for permissive use it is covered. However your rates may increase, and the guest driver is not responsible for anything financially. Just something to be aware of as many here treat it like a scratch of bent fender. If medical is required your insurance is primary, theirs is secondary, anything beyond that you are on the hook for the remaining, not the guest driver. My point is if the worst happens even if everything is covered is your buddy going to send you a check every month to cover your increased insurance costs? How about if your car is totaled and the insurance only covers 3/4 of the value like usual esp with mods. Are they going to make that up to you?