Cruisers Forum
 


Join CruisersForum Today

Reply
 
Thread Tools Rate Thread Display Modes
Old 31-08-2016, 09:43   #16
Registered User

Join Date: Mar 2011
Location: fl- various marinas
Boat: morgan O/I 33' sloop
Posts: 908
Re: Liability Ins for borrowing a car?

Quote:
Originally Posted by sailorboy1 View Post
We are going to be listed as drivers for our daughters car. This provides us liability for rentals etc.
Very interesting. I have fount the only way to not be forced to but insurance is to book and prepay on line. Have you confirmed this with the insurance co and will they give you an ID card to show at the rental counter? what state are you in?
__________________

__________________
Dave22q is offline   Reply With Quote
Old 31-08-2016, 17:32   #17
Registered User
 
Compactorguy's Avatar

Join Date: Nov 2009
Location: Long Beach, Ca
Boat: Morgan 27
Posts: 57
Re: Liability Ins for borrowing a car?

What kind of cruisers are you? 😏 Buy a bike and take public transportation.😜


Sent from my iPhone using Cruisers Sailing Forum
__________________

__________________
Compactorguy is offline   Reply With Quote
Old 31-08-2016, 20:15   #18
Registered User
 
J Clark H356's Avatar

Join Date: Jun 2010
Location: Grand Rivers, KY
Boat: Hunter 2003 356 - Persistence
Posts: 474
Re: Liability Ins for borrowing a car?

It's true the Owner has liability insurance, but if you have a wreck in their car and are at fault, the insurance company for the car can come after your assets. Without Liability insurance, you re naked.


Sent from my iPad using Cruisers Sailing Forum
__________________
J Clark H356 is offline   Reply With Quote
Old 31-08-2016, 23:53   #19
Registered User

Join Date: Apr 2013
Posts: 4,557
Re: Liability Ins for borrowing a car?

Quote:
Originally Posted by FSMike View Post
If you borrow my car my liability covers you. I would think that is the case with most casual borrowing situations.
Exactly for most normal situations, this covers you. You can always find a situation where there is a higher payout that exceeds the insurance even if you buy your own. In reality the minimum is plenty for the vast majority of situations.

Where it gets touchy is if there is payment for use of the car.
- I'm a friendly guy and I let you borrow my car, it's covered.
- I offer to let you borrow the car for $20, it's not covered unless I buy commercial insurance. (this is where uber runs into issues as most carry personal car insurance which doesn't apply to a commercial operation, which they are.)

Countries outside the USA...it all depends.
__________________
valhalla360 is offline   Reply With Quote
Old 31-08-2016, 23:54   #20
Registered User

Join Date: Apr 2013
Posts: 4,557
Re: Liability Ins for borrowing a car?

Quote:
Originally Posted by Dave22q View Post
Very interesting. I have fount the only way to not be forced to but insurance is to book and prepay on line. Have you confirmed this with the insurance co and will they give you an ID card to show at the rental counter? what state are you in?
We rent several times a year. They sometimes ask who the insurance company is at the counter but never have we been asked for proof.
__________________
valhalla360 is offline   Reply With Quote
Old 31-08-2016, 23:56   #21
Registered User

Join Date: Apr 2013
Posts: 4,557
Re: Liability Ins for borrowing a car?

Quote:
Originally Posted by J Clark H356 View Post
It's true the Owner has liability insurance, but if you have a wreck in their car and are at fault, the insurance company for the car can come after your assets. Without Liability insurance, you re naked.


Sent from my iPad using Cruisers Sailing Forum
No, unless it's intentional (ie: you purposely run down your ex-wife), authorized drivers are covered by the owners insurance.
__________________
valhalla360 is offline   Reply With Quote
Old 02-09-2016, 05:24   #22
Registered User

Join Date: Feb 2014
Location: League City Tx. / Glen Haven Co.
Boat: Cal T2 27', Renken 18, Macgregor Venture Cat 15
Posts: 33
Re: Liability Ins for borrowing a car?

Quote:
Originally Posted by Mycroft View Post
Thanks guys.

Cheechako, where were you back in May when I got rid of my car and CANCELLED my insurance?! Oh well, water under the bridge. I called my ex agent and they're going to get me a quote for "broadform" coverage attached to my license that should cover personal liability. It doesn't cover comprehensive, but compared to medical, car damage is cheap.

True, most cars will already have comprehensive and liability coverage paid for by the owner of the car. However, many times, the owner only has the minimal coverage required by law. Even if there is enough coverage for the accident, the owner's insurance company can still sue me for personal liability if the accident were deemed to be my fault.

It was a recent Active Captain newsletter that got me thinking along these lines.
Yes BROADFORM coverage is the way to go, I have 4 to six old cars and pickups at any given time and this covers the driver.
__________________

__________________
DocRox is offline   Reply With Quote
Reply

Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Borrowing Boat in Turkey / Greece Legalities Burls Rules of the Road, Regulations & Red Tape 5 27-04-2012 15:54
Mex Liability Ins on the Web? svmariane Dollars & Cents 6 10-03-2009 21:16
Boat Break-ins at Belmar - Please, We need your help! BassAckwards General Sailing Forum 10 08-11-2008 14:23


Our Communities

Our communities encompass many different hobbies and interests, but each one is built on friendly, intelligent membership.

» More about our Communities

Automotive Communities

Our Automotive communities encompass many different makes and models. From U.S. domestics to European Saloons.

» More about our Automotive Communities

Marine Communities

Our Marine websites focus on Cruising and Sailing Vessels, including forums and the largest cruising Wiki project on the web today.

» More about our Marine Communities


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -7. The time now is 09:36.


Google+
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
Social Knowledge Networks
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.

ShowCase vBulletin Plugins by Drive Thru Online, Inc.