Will My Auto Insurance Policy Pay For My Friend’s Car If I Wreck it?
Reader’s Question:
I live in Ohio. I just want to know If I damage my friend’s car, will his insurance cover it or mine? Thanks.
Joel
Thank you for asking Joel.
The Auto Insurance Buyer’s Guide on the Ohio Department of Insurance website states that the individual who are typically covered on an insurance policy is you, family members who live with you (that you have listed on your policy) and in general any licensed driver that you permit to operate your car unless your policy rules out this provision.
Normally it is the car owner’s insurance that would be primary and the driver’s auto insurance would be secondary. This means that his car insurance would pay on the damages first. If his insurance policy did not cover all of the damages then your insurance could be used for excess cost for the damages.
Goodluck!
MariCAR
Can I Get a Car Loan In Ohio If I Have an SR22?
Reader’s Question:
I am required to carry an sr22 certificate on my auto insurance but I just want to know if this is enough to get a car loan? Please help. I live in Ohio.
Rico
Thank you for asking Rico.
SR-22 certificate is the insurance required for an Ohio state liability . It is not physical damage coverages of collision and comprehensive that most financial institutes will require you to have on a car if you have a loan or lease to pay on whether the car is a new used one or brand new one.
You can contact your insurance agent about carrying the required insurance for the SR-22 or the financial responsibility certificate. You may also ask them about the physical damages coverages that would be required by a lien holder when you purchase a car. You should be able to get both types of coverages to maintain what the state and lien holder will require of you.
If you cannot get both types of coverages with your current insurance provider you may shop around online for other insurance companies that provide it.
Goodluck!
MariCAR
What Are The Penalties For Driving Without A License in Ohio?
Reader’s Question:
I just received a ticket for driving without a license and I just want to know what the penalties will be. Im a minor and I live in Ohio. Thanks.
Albert
Thank you for asking Albert.
Chapter 4507 of the Ohio Revised Code (ORC) which includes the Driver’s License Law for OH, states that no individual shall allow the operation of a motor vehicle upon any public or private property used by the public for purposes of vehicular travel or parking knowing the operator does not have a valid driver’s license issued to the operator by the registrar of motor vehicles.
If you get caught driving without a license you are guilty of a misdemeanor of the first degree. Driving without ever being licensed may result to being fined of up to $1000 and jail time of up to 180 days. Since you are a minor there will likely a delay in you being able to receive an OH learner’s permit or license.
To get more information about your conviction and the penalties you may receive, you may call the court listed on your ticket and also contact the Bureau of Motor Vehicles (BMV).
Goodluck!
MariCAR
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