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Posted by on April 1, 2008, 8:52 am
>
> > Sort-a true but usually your own vehicle has to be "temporarily unavaila=
ble"
> > like it's in the shop. =A0I amnot aware of any auto policy that just str=
aight
> > up covers the rental that I use one a one day basis, or maybe while on
> > holdays away from home or on a business trip. =A0I'm not saying that you=
r
> > personal auto policy won't cover this but you had best check with your
> > broker/agent first.
>
> =A0 =A0 =A0According to my insurance agent, the policy follows me, not the=
> vehicle. So, whatever I am driving is covered.
I would bet that statement is untrue. For example, I highly doubt
that collision coverage on a 5 year old economy Hyundai is going to
pay for the cost of a totalled rental Lincoln Navigator.
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Posted by krw on April 6, 2008, 9:03 am
In article <2c81afd2-0f32-49e2-a27c-2c43071d0593
@i7g2000prf.googlegroups.com>, trader4@optonline.net says...
> >
> > > Sort-a true but usually your own vehicle has to be "temporarily unava=
ilable"
> > > like it's in the shop. =A0I amnot aware of any auto policy that just =
straight
> > > up covers the rental that I use one a one day basis, or maybe while o=
n
> > > holdays away from home or on a business trip. =A0I'm not saying that =
your
> > > personal auto policy won't cover this but you had best check with you=
r
> > > broker/agent first.
> >
> > =A0 =A0 =A0According to my insurance agent, the policy follows me, not =
the
> > vehicle. So, whatever I am driving is covered.
>=20
> I would bet that statement is untrue. For example, I highly doubt
> that collision coverage on a 5 year old economy Hyundai is going to
> pay for the cost of a totalled rental Lincoln Navigator.
No, but the liability coverage will, assuming your insurance covers=20
your use of another vehicle. That's why it's important to CHECK.
--=20
Keith
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Posted by S. Barker on April 1, 2008, 10:37 am
You insure the car, not the driver. Better read it closer.
s
>
> According to my insurance agent, the policy follows me, not the
> vehicle. So, whatever I am driving is covered.
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Posted by on April 1, 2008, 10:57 am
> You insure the car, not the driver. =A0Better read it closer.
>
Obviously you don't have a clue here. Vehicles don't cause
accidents, people do. As Kurt pointed out, almost all policies cover
the policy holder for liability, regardless of who's car they happens
to be driving. That means if I borrow someone's car and cause an
accident, my insurance company will cover me to the limits of my
policy for damage and injuries I caused to the vehicle I hit. This
only makes sense. You think I want to get behind the wheel of
someone else's car, say while sharing driving on a trip, have an
accident, and then find out they only have the minimal coverage and
the accident exceeds that? Or that they let the policy lapse and
have no insurance? I don't care about that, because MY policy
protects me.
Now, if you have collision coverage on your car, in most cases, that
coverage may not extend to another vehicle you happen to be driving.
> s
>
>
>
>
>
>
>
> > =A0 =A0 According to my insurance agent, the policy follows me, not the
> > vehicle. So, whatever I am driving is covered.- Hide quoted text -
>
> - Show quoted text -
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Posted by Rick Brandt on April 1, 2008, 2:31 pm
trader4@optonline.net wrote:
>> You insure the car, not the driver. Better read it closer.
>>
>
> Obviously you don't have a clue here. Vehicles don't cause
> accidents, people do. As Kurt pointed out, almost all policies cover
> the policy holder for liability, regardless of who's car they happens
> to be driving. That means if I borrow someone's car and cause an
> accident, my insurance company will cover me to the limits of my
> policy for damage and injuries I caused to the vehicle I hit. This
> only makes sense. You think I want to get behind the wheel of
> someone else's car, say while sharing driving on a trip, have an
> accident, and then find out they only have the minimal coverage and
> the accident exceeds that? Or that they let the policy lapse and
> have no insurance? I don't care about that, because MY policy
> protects me.
>
> Now, if you have collision coverage on your car, in most cases, that
> coverage may not extend to another vehicle you happen to be driving.
It seems to me that the insurance industry gets to have it both ways. It
would make sense (to most people I think) for liability coverage to follow
the driver and collision/comprehensive coverage to follow the car.
BUT...if I own four cars and have collision/comprehensive coverage on NONE
of them I still have to obtain (and pay for) four policies. Why is this the
case? I can only be behind the wheel of one car at a time.
Also I was hit several years ago while borrowing my sister-in-law's car. It
was HER insurance company that got involved, not mine. These would seem to
indicate that the coverage follows the car, not the driver.
BUT...if a four driver household has only one vehicle they still need a
policy for each of the drivers, not just one (right?). And that seems to
indicate that the coverage follows the driver and not the car.
Bottom line is that whatever situation causes the insurance company to
collect the most money seems to be the rule.
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