Senior Car Insurance Question in Ohio
Reader’s Question:
I have a parent who is 85 years old and recently tried to renew his license but was denied for failure of an eye exam. He is still paying full coverage car insurance in Ohio. What would happen if he or someone else has an accident in his car? He is the only one rated by insurance provider and has not told them of his non-renewal.
Neil
Toledo, OH
Your 85 year old parent should contact his insurance provider and inform them of the situation regarding the non-renewal of his driver’s license. Since he does not currently hold a valid license, it is possible that his insurance provider would have the right to deny a claim if he was in an accident. If someone else is driving his car they might be covered under his policy, but only her insurance provider will be able to tell you the specifics of his policy and give you an accurate answer to this question.
Your elderly parent should contact his insurance provider to find out what suggestions they have. If he will no longer be able to operate, he might consider selling his car to someone who can insure it and drive him around. Most DMVs have an alternative transportation database to assist people who can no longer drive so you may check in Toledo Ohio for more information regarding this.
Borrowed Car Got Involved in an Accident – What Happens Next?
Reader’s Question:
I borrowed my boyfriend’s car and just ran out of luck. I crashed his Chevy down the road in Akron, Ohio. How will that position us with her car insurance policy?
Arnie
Akron, OH
So who will foot the bill now? If you’re not sure of any or all of these questions, then you’re like the vast majority of car insurance policyholders who would have this as a scary thought.
Most people frequently let others borrow our cars without considering the insurance ramifications. Lucky you, for I can give you some answers right now, which you might want to tell you aunt and friends.
If you borrowed your boyfriend’s car with permission, your boyfriend is taking on what is known in insurance-speak as “vicarious liability”. This means that your boyfriend will be responsible for both property damage and bodily injury, and his insurance will have to cover the damages. You are off scott-free, although you might get a cold shoulder or never get to drive your boyfriend’s car ever again.
The “insured” does not have to own the auto involved in an accident in order for liability coverage to apply, and the “insured” is defined not only as the named “insured” and his or spouse, but also any child (including foster child) or anyone related to the named “insured” by blood, marriage or adoption who is a resident of the named “insured’s” household in Akron, Ohio. It is very important to understand just who and what is covered by your car insurance in Akron, Ohio.
How To File an Auto Insurance Claim in Ohio
Reader’s Question:
How do I make an accident claim with my insurance company in Dayton, OH?
Fernando
Dayton, OH
If get involved in an accident where your car has sustained damage you can make a claim with your insurance carrier if you have physical damage coverages, meaning comprehensive and collision. If you have been in an accident the claim would normally go under your collision coverage and therefore the deductible associated with this coverage would be due.
To make an accident claim you will have to contact the claims department of the insurance carrier you are making the claim with. Your car insurance carrier will likely take your statement and want to get the information about the accident. If it is your own insurance company in Dayton Ohio they will also want to know if another car was involved and will be making a claim against your liability coverages.
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