My husband wrecked my dads car are we covered under his policy?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Dec 26, 2012

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Insurance Question from Grottoes, VA

Asked on 12/26/2012

My husband wrecked my dads car are we covered under his policy? He slid the vehicle on an icy road into a tree and messed up the fender. We drive the car but it is still named to my dad. Does his insurance cover everything since we don't have a policy on it?

Answer given on December 26, 2012

When there is an auto accident, the insurance follows the car. Since the car belongs to your dad, his insurance will pay for any damages caused by the accident.For damage to the car itself, the collision coverage portion of the policy will pay for those damages, less the deductible he has for collision. His rates will not be affected, if you are not listed on his policy as drivers. If you have your own car insurance, then your rates could be affected by the accident, even though your insurance company does not pay for the damages. They would nlt learn of the accident until they run your driving record that may show the accident. However, some insurance companies do not charge for accidents on icy roads.If you do not have your own car and insurance, then your dad’s insurance company may ask to add you as drivers to his insurance policy. If you do have your own insurance, you can tell his insurance company about your own insurance, so they will have the information going forward.

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