Does Car Insurance in Indiana Follow The Driver or The Car?
Car Accidents
Car insurance is a tricky subject for a lot of people, something that can be even more complicated if you’re involved in an Indiana car accident and are attempting to find out who is at fault. Different counties have different laws regarding insurance and who it follows in car crashes, as well as what happens if you gave your car to someone else that later got into an accident while driving it.
Indiana Car Accident Insurance Facts
As a rule of thumb, if someone else borrowed your car and ended up in an Indiana car accident, your insurance company will take over as long as they received oral permission from you to take your car. That being said, it must be shown in your insurance records that they were not excluded at the time of getting your insurance from coverage since this will make them responsible for the damage via their insurance.
However, things become a bit complicated if your friend doesn’t have insurance. In this case, you will have to handle the costs of damage to cars and other financial consequences arising from the accident. If they do have insurance and yours runs out due to rising costs of the accident, theirs will kick in as secondary insurance.
Exceptions
There’s a certain type of insurance called comprehensive collision insurance coverage which follows the driver of the car as long as certain conditions are met. This type of insurance caters for family members that are named in the policy in writing as well as any other individual penned into it.
Legal Help for Indiana Car Accident Cases
In any given Indiana car accident case, there are many variables at play. This means that there might be overlaps in different policies involved and a whole lot of confusion. It’s because of this that you need a good Indiana car accident attorney to help you navigate the legal complexities of car insurance to protect you from overpayment or taking on the blame for an accident caused by someone else. Need help? Call us today on (773) 673-9861 for your free and confidential consultation. Thanks, and we look forward to hearing from you.