Looking For An Affordable Auto Insurance Company in Ohio
Reader’s Question:
If a friend is driving my vehicle, and my vehicle is not insured, am I going to be held liable if they get into an accident and cause damages? I live in Elyria Ohio. I am looking for an affordable auto insurance company in Ohio.
Ricky
Elyria, OH
Normally in an accident auto insurance follows the vehicle first and motorist second, so you as the owner of the car, are primarily responsible. If the motorist causes an accident then both you as the car owner and the driver can be held responsible for the damages the driver caused while driving your car.
In Ohio, you can be ticketed for wrongful entrustment if you permit someone to drive your car without car insurance. If your car is uninsured in Elyria Ohio and you drive it on the roadway, either by driving it yourself or permitting your friend to do so, then you are placing yourself at risk for penalties by the state and financially if the vehicle is in an accident.
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
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