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Q

I was driving a friend's car and got into an accident. He only has liability insurance. If I have 'full coverage,' will my insurance cover the accident since I was the driver?


A

The term "full coverage" is used by most people when referring to Physical Damage coverage. That means they have Liability insurance and Physical Damage, sometimes along with other coverage combinations to be fully covered.

Physical damage coverage consists of collision and comprehensive coverage. Generally, collision insurance covers damage to ONLY your automobile caused by collision with another object or by upset. Comprehensive insurance covers damage to ONLY your automobile from vandalism, theft, glass breakage, or anything Other Than Collision. 

Most loss payees, lien holders, and leasing companies require Physical Damage coverage if you are financing or leasing your vehicle.

These coverages do not extend to other vehicles and they will not cover your friend's vehicle or become secondary insurance behind another vehicles primary insurance. Your friend's liability coverage would be "primary," and you liability coverage will be "excess or secondary" to the liability coverages.

Comment Update: No, the coverage will not extend. Sorry.


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2 Responses to "I was driving a friend's car and got into an accident. He only has liability insurance. If I have 'full coverage,' will my insurance cover the accident since I was the driver?"
  1. Anonymous

    Ok so my question is similar to the ones above, but I was driving my sisters car trying to get the title thing worked out and such, now I got into a wreck smashing in the back of the vehicle, it was my fault and I have some tickets for it, now she has liability insurance and I have comphrehesion and collision insurance. The insurance company is trying to tell me they can't get anything done and so i'm left with the car, is that right can they do that or should my insurance policy kick in and pay for it since it exceeds the limit of my sister as she is the primary shouldn't mine kick in and cover what hers doesn't?

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  2. Anonymous

    I have no idea what this means. Will the person be charged for driving without insurance?

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