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If someone recks your car and is not on your insurance will the insurace pay for the car?
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If someone recks your car and is not on your insurance will the insurace pay for the car?

if it was a sibling that use your car to go to the store and wrecked the car totally and received a dwi what are the chances of your insurance paying for the car and will your insurance go up.


    

Garden by M
Rating
the insurance is on the car, not the person but the dwi makes it complicated.....you face losing your insurance and maybe charges for letting him drive your car when you knew he was dwi....


JP the Answer Pimp
Rating
you have a good shot at them not paying your claim...


Cyndee
Rating
your insurance should pay as long as they are a liscense driver but your insurance rate will probably go up ...


CowboyBill
If you have collision coverage you have about 100% chance that they will pay for repairs AND raise your rates (providing they don't cancel your policy).


s2scrm
As long as your sibling had your permission to drive it and he/she is not excluded from your policy they should handle the claim as normal.

If your sibling lives with you they'll want to add him/her to the policy.


zackattack_1988
no, the answer is straight no, if the car is wrecked the person who is on the insureance has to be driving it for it to get paided for. if the sibling was on ur insureance card then yes the insureance will pay for it and yes, your insureane payment will go up.


PeppermintandPopcorn
Rating
Two things can happen:

They cover the claim but once they find out that the driver is your sibliny AND driving the vehicle - they will add him on as a driver back to when the policy started.

They deny the claim, since he was not a covered driver. They have every right to do that. If you don't add a driver to your insurance and they contiue to drive your car - then thats considered fraud.


Uninsured motorist WILL NOT pay. It pays for your car if someone hits you and has no insurance.


mela26
Rating
i think the only way is if person is over like 21 and has license and not drunk or something i think





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