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Originally Posted by tahdizzle
He can file a report, for his insurance sake, but I personally I don't think its worth the time or hassle. Since insurance companies will increase rates at fault or not if they chose to :p
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Quote:
Originally Posted by tahdizzle
Doesn't work that way. If it did then insurance would be raping the public even harder than it is now.
If insurance followed the vehicle, then every stolen car that was involved in accident would be the responsibility of the insurance.
Insurance insures the driver in the car the driver is insured under. So you can't hop in a ferrari and say "that's okay, i have insurance on my BRZ" I'm covered. and the ferrari guy can't say "Thats okay, I insured my ferrari. He can drive it."
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Different state; different insurance regulations. Your scenario isn't a problem in MA. As long as the Ferrari is insured and the owner is covered(obviously), the owner can give permission to another driver and the driver is covered by the owner's insurance. Just like how if someone vandalizes your car in MA, your rates don't go up even if you get keyed once a month. The only thing you'd be responsible for is the deductible for each incident you report.