Quote:
Originally Posted by TheR3d1
10k my dads insurance is going to have to come into play but apperently I was not a listed driver under his insurance so they are making a big deal out of that. I was under the impression that car insurance follows the car not the driver is this correct?
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Quote:
Originally Posted by 8RZ
My insurance covers the driver, not the car.
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Depends on whether you are an 'occasional' driver or a family member driving the car regularly (particularly if you are under 25).
For example, with my insurance company the insurance rate on the FR-S is based on my age/record even though I have two sons in my household, on my insurance, under the age of 25. That is because they have their own car where they are listed primary driver.
If they were listed as primary driver of the FRS, or did not have their own car, the insurance on the FRS or MomHawk's Mustang would be substantially more.
If they were driving my car (which is covered) but the insurance company determined they were really the primary driver of the FR-S, then the company could deny the claim.
So, yes the insurance coverage follows the car, but the rate charged for the insurance is based on the primary driver.
Not saying that is your situation, but I'm pretty sure if my 19 year old wrecked my FR-S, the insurance company would be within their rights to ask for some sort of verification I had not been committing insurance fraud by playing around with who drives what to avoid higher rates.