I have a question regarding auto insurance. if i have 2 vehicles in the household,?
Question:
Answer:
The accident would go on your record, however that is really only a concern if you were to go shopping for other insurance on your own. Insurance follows vehicles, but accidents follow you! You are both covered under the same policy and can drive either car, but one might be rated as a principle operator of one, for rating purposes.
The accident is on your record, drivers license wise.
If you guys have one policy covering both vehicles then it doesn't matter, and it still gets put against you. Your overall rates will go up, but it the raise will most likely be only against the VW.
If you have separate policies, well tough break for him, but it gets put against his policy and his rates go up.
Clear as mud?
It will be on you record because you were the one driving
I think it will be on both, but your rate will go up. They don't insure just YOU as a person, or YOU as a car. It's a collective thing and any claim is going to effect your rates.
If you had different insurance companies, they would probably fight about who paid what.
The accident with show up no your motor vehicle report. The claim will show up on the the insurance companies report. If you both have different insurance then he will have the claim on his insurance record and you will have the accident on you motor vehicle record. If you both have the same company then everything will show up on your record. If you are listed as an occasional driver of his vehicle his rates may go up. If you were not listed as an occasional driver... the insurance company will probably add you to his policy unless you can prove that you have your own insurance.
The record will be on your license and insurance costs. Whether it be his car or somebody else.you were the driver. and drivers are the ones who cause the accidents. Your insurance will have to fix his car.(as it is not your car that got damaged.
Violations, tickets, etc follow the driver. Insurance follows the car. Your insurance will likely go up because you were the at-fault driver and since you are at fault, your insurance pays for your car and the other person's (assuming 2 cars were involved).
Insurance follows the car, not the driver. It would go on your driving record (if you got a ticket) if that's what you're asking.
looks like it depends on where you live.
in Alberta it will affect both your rates - yours because you were the driver, his because it was his car and it would be his insurance covering it
There are some variables here. Many insurance companies will forgive one accident per policy in a three year period and your rates for the Jetta could very well remain the same. However the accident was an "at fault" accident...therefore your policy rates might go up depending on what circumstances were involved in determining who was "at fault' Example: Suppose you were insured through Concord Group Insurance Corp., and the reason you were deemed "at fault" was do to Drinking and driving. Your rates would not go up because of the accident but would definitely go up for the DUI as you now have become a "Higher Risk". The best thing you can do is to call your insurance agent and ask, they would have all of your policy information and your driver profile on the tips of their fingers.
Peace
Accidents are filed under the drivers name. So, it would be under you.
The owner of the vehicle will get the minus point. This is because, to the insurance company, they only deal with the owner of the vehicle. You can get good and reliable insurance quote and help here: -> http://www.payamgostar.com/get-that-chea...
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