Despite pledging to "end the war on motorists" shortly after taking office last year, transport secretary Philip Hammond's initiatives have done little to alleviate the increasing cost to drivers. So why has the motorist become public enemy number one? When and why did the car owner fall out of favour?
As with most questions like this, it depends. Specifically:
1. Auto insurance follows the named Insured Liabilities. So, if you're driving your friend's car and rear-end somebody, your friend's liability insurance may take care of the other vehicle's damages.
2. But what if your friend doesn't carry insurance? Most likely your insurance will step in, but if Ohio requires vehicle owners to carry liability insurance, your carrier will most likely go after your friend for the money they paid to protect you because, by law, your friend should have paid for his own coverage.
3. Does the car belong to a relative? More specifically, a relative in your household? This would likely result in your carrier denying coverage for you because you didn't tell them a relative owns a car that you're driving. How often you drive the car could also affect your carrier's decision.
4. But what if you have full coverage, and you wreck your friend's car that doesn't have full coverage, and you don't normally drive the car? Most likely, your carrier will step in and pay for the damages to your friend's car. Your carrier is "excess," but if no other first-party coverage exists, they'll usually take care of it. See #3, though, because this wouldn't apply to a relatives vehicle.
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