Automobile Insurance Claims Sioux City Iowa IA
Reader’s Question:
I was driving my father’s vehicle when I got into a minor accident with just a scratch on the side. I do not have car insurance so I am wondering if I could place a claim on my father’s car insurance carrier in Sioux City?
Tony
Sioux City, IA
If you do not live with your father in the same household and borrow his vehicle and are involved in an accident, your father’s auto insurance coverage will extend to you as a driver. If you reside in the same household and are not listed as a driver on the car insurance policy for some reason then the insurance carrier may not cover you for driving his car.
To make a car insurance claim on your father’s insurance company in Sioux City Iowa you need more tha just the liability coverage on the vehicle. Liability covers damages the driver, caused to another party’s vehicle or property, not damages to your own automobile. Your father would need physical damage coverages of collision and comprehensive to cover damages to his automobile.
Since you did have car insurance, your father’s car insurance would still be primary. Car insurance follows the vehicle first usually and driver second, so if you had car insurance it would have been secondary or excess if damages exceeded your father’s liability limits.
Tags: auto insurance claims, car insurance
Student Automobile Insurance Ames, Iowa IA
Reader’s Question:
I am a college student and I am only thrice a year and will be driving my parent’s car in Ames, Iowa. I do not operate a vehicle in college and I was just wondering if there is any way I will be covered under my parent’s car insurance policy while I am home.
Mark
Ames, IA
If you will be driving your parent’s vehicle when you are home in Ames, Iowa, you will need to contact their car insurance company to determine what to do so you will be covered when you are home and driving your parent’s vehicle. If you are still using your parent’s address as your permanent residence, the car insurance carrier may still consider you as a household member and add you to your parent’s car insurance policy. In this way, you will be sure that you will be covered when you drive your parent’s automobile.
Insurance carrier’s rules and guidelines varies that is why it better to discuss your situation to your parent’s car insurance policy because most car insurance companies require that policyholder must list all household members including those teenagers that are away at college that may drive the car when they are home.
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