My dad went to my house and I borrowed his truck to buy something to eat on my way back I got in an accident the police found me at fault.
My dad?s truck has full coverage which is collision and comprehensive and liability. The thing is that im not on his policy and I have a valid driver?s license.
Can the insurance company fix my dads truck? He has acceptance insurance. The company doesn?t want to fix it. what can we do? I didn?t hit the car the car hit me but they gave me a ticket for change of lane violation
Answer:
Hello,
Why is that they are not covering the loss? I mean the specifics. They have to have a reason to decline coverage. They can?t simply say we will not pay.
There is an exclusion regarding this type of situation that is somewhat general. It states that if you use the vehicle for regular use and are not listed as a driver, then the loss will not be covered. Why were you driving the vehicle?
One of the reasons you have homeowners insurance is to avoid paying out of pocket for extensive property damage. Another reason you’re paying for homeowners insurance is to have an attorney on retainer to defend you should you be sued if someone gets hurt on your property.
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