Non-Permissive Use Car insurance - will it cover my accident?
My boyfriend was driving my car to my apartment from the video store and I was in the passenger side. On a two lane street he was making a left into my aparment complex and started to turn but kids were in his way so he stopped. Meanwhile a car speeding from the other direction hit my car on the right front side. My airbags deployed and later I found out that it needs a new radiator A/C and a repaired frame. It s a 2005 Toyota Corolla that I owe $6900 on.
My insurance company is Anchor General and they told me that it will probably not be covered because I didn t have "Permissive-Use" on my vehicle. My boyfriend doesn t live with me and he is not an excluded driver on my policy I thought they were the only ones not covered. I am afraid because I had a bad driving record so I bought cheap insurance and now I m afraid they won t cover it because he was driving. The other car was a 1985 Chevy Caprice and only had a head light out and a bent hood in the middle - minimal damage. My car won t even drive anymore. Most people think it s my boyfriends fault because he should ve backed up when he saw those kids and he was blocking the road. But the other guy was speeding down the street (25 mph) he had skid marks at least 12 feet long and by the time we heard him trying to stop my boyfriend didn t have enough time to react. My boyfriend also has insurance for his truck and he called his insurance to see if they would cover it and they said no because it wasn t his car. And if it gets name his fault then the other drivers policy won t have to cover it. So I was just wondering if anyone had been in this situation and if there is any ideas of how I can be covered or any courses of action I should take if it turns out I m not covered. I m pretty sure my car is totaled and I don t want to be out of a car and 6900 dollars...I don t have gap but I am going to call my dealership just to make sure.
If you are an Insurance Adjuster or have faced this situation before I would be really glad to hear from you.
Thanks for all of your help.
Non-Permissive Use Car insurance - will it cover my accident?
1. Non-Permissive Use Car insurance - will it cover my accident?
My boyfriend was driving my car to my apartment from the video store and I was i
in the passenger side. On a two lane street he was making a left into my aparmen
t complex and started to turn but kids were in his way so he stopped. Meanwhile
a car speeding from the other direction hit my car on the right front side. My a
irbags deployed and later I found out that it needs a new radiator A/C and a r
SOLUTION
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