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Whose Insurance Company Handles Claims for an Accident in a Borrowed Car

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  • 05-10-2016, 06:20 PM
    isitlegalmk
    Whose Insurance Company Handles Claims for an Accident in a Borrowed Car
    My question involves insurance law for the state of: Ohio

    My wife got in a fender bender tonight. It was raining, she stopped quick at a red light and slid into the car in front of her. Little or no damage to them and a broken headlight/bent hood on our part. Here is the things to know:

    1) She has insurance through Progressive on our car
    2) She was driving my Father's car at the time, not ours
    3) He has insurance on his car through Geico, but she is not listed on the policy (but I am)
    4) She provided both sets of insurance policy info to the other driver (her Progressive and my Dad's Geico)

    My question is, which insurance company do I report this wreck to; ours or my Dad's? Which company will pay for the damage claims if needed?
  • 05-10-2016, 08:38 PM
    adjusterjack
    Re: Whose Insurance Company Handles Claims for an Accident in a Borrowed Car
    My question is, which insurance company do I report this wreck to; ours or my Dad's?

    Dad's. (GEICO)

    Which company will pay for the damage claims if needed?

    Dad's (GEICO)

    Dad's policy covers the car and the liability of anybody driving it with his permission.
  • 05-11-2016, 06:44 AM
    flyingron
    Re: Whose Insurance Company Handles Claims for an Accident in a Borrowed Car
    Actually, you likely have coverage from both insurers provided this is a casual use.
  • 05-11-2016, 09:24 AM
    adjusterjack
    Re: Whose Insurance Company Handles Claims for an Accident in a Borrowed Car
    Quote:

    Quoting flyingron
    View Post
    Actually, you likely have coverage from both insurers provided this is a casual use.

    In OP's case, maybe not, if the car was owned by, or furnished or available for regular use of, a family member.

    The standard auto policy contains the following exclusion under Part A - Liability Coverage:

    B. We do not provide Liability Coverage for the
    ownership, maintenance or use of:
    3. Any vehicle, other than "your covered
    auto", which is:
    a. Owned by any "family member"; or
    b. Furnished or available for the regular
    use of any "family member".


    And if there was liability coverage for the OP, his policy would be excess over his father's policy.

    Given the smallness of the claim, GEIGO would likely pay all of it and Progressive would not be involved.
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