Their insurance (friend's) is primary

The more you know!

10/26/2010 2:40:23 PM

thats why im the only one that drives my car

10/26/2010 2:41:55 PM

thanks for clearing up that ClassicMixup!!!

10/26/2010 2:42:06 PM

thought this was common knowledge

collision insurance is on the car, not the driver

10/26/2010 2:43:31 PM

Guess I figured everone shoulkd know

10/26/2010 3:18:30 PM

oh ok i'll bite

yeah that's a classic mixup

10/26/2010 3:33:16 PM

.... be glad they purchased nice enough insurance that it will pay as primary.

Also, AAA does NOT work this way. It follows the driver, no matter the vehicle. Which is cool - I've never needed it but I've always wanted to call when I'm out driving the 30 passenger bus

[Edited on October 26, 2010 at 3:42 PM. Reason : .]

10/26/2010 3:41:25 PM

Quote :

"thought this was common knowledge"

10/26/2010 3:41:51 PM

10/26/2010 3:42:50 PM

Quote :

"Also, AAA does NOT work this way. It follows the driver, no matter the vehicle."

Insurance Laws vary from state to state.

AAA is bound by NC law when doing business in NC - which says that when you lend your vehicle you lend your policy...

However just because the policy that followed the vehicle may pay for the accident does not mean that the accident won't go down on your driving record.

You will get the insurance points(SDIP) and your rates will increase in NC regardless of who's car you were driving at the time of the accident. It mostly sucks for the insurer of the person's car you were driving - because that person's rates aren't necessarily going to go up.

10/26/2010 3:48:33 PM

^ i didn't mean in a wreck. I meant like running out of gas/jump start/flat tire.

10/26/2010 3:51:05 PM

I'll often borrow a friend's car and drive it off a bridge so that I can practice escaping.

10/26/2010 3:52:08 PM

ahaha

10/26/2010 3:52:35 PM

Quote :

"It mostly sucks for the insurer of the person's car you were driving"

poor insurance companies, always getting the shaft

[Edited on October 26, 2010 at 3:54 PM. Reason : .]

10/26/2010 3:54:10 PM

seriously.

10/26/2010 3:55:27 PM

you can file an insurance claim for pee stains?

10/26/2010 4:17:00 PM

If you get a DWI in a friends car, and your license is suspended from a previous DWI, your friends car is subject to a school board seizure.

10/26/2010 4:21:04 PM

And during a school board seizure they'll put a wooden spoon in your mouth so you don't swallow your tongue.

True story.

10/26/2010 4:22:50 PM

bahahahaha

10/26/2010 4:24:11 PM

Quote :

"^ i didn't mean in a wreck. I meant like running out of gas/jump start/flat tire."

my bad - i thought you ment AAA insurance
you were talking about AAA roadside assistance.

10/26/2010 4:50:22 PM

I use to feel kind of bad about doing personal injury work as an attorney...the more I deal with insurance companies, the less bad I feel about taking their money.

V

[Edited on October 26, 2010 at 5:13 PM. Reason : .]

10/26/2010 5:07:35 PM

^

10/26/2010 5:12:29 PM

?

10/26/2010 7:17:17 PM

sucks if you have an insurance that doesn't cover other drivers though

10/26/2010 7:19:24 PM