car insurance sr-22

Reader’s Question:

I have an sr-22. Someone hit me while I was driving someone else’s car. Is it covered by the policy?

Charmaine

Good Question, Charmaine.

You may first then check if the vehicle that you drove is insured. The owner of that vehicle is required to insure it. You can get in trouble if there is no insurance on that car. However, your sr-22 policy will be secondary to the insurance on that vehicle.

Since you borrowed that car from somebody else, your friend’s car insurance will kick in first if you get involve in an accident. But for instance, the accident was your fault and the damage cost to the other driver, exceeded the liability limits of your friend’s policy, that is the time that your sr-22 insurance policy will cover the excess up to the policy limits.

I hope this would help.

Goodluck!

MariCAR