Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Advice

May 21, 2013

Paul asks…

Should the student my for the driver instructor’s persona lost?

Hi,

I need some advice.

I’m a learner driver and caused an accident to my instructor’s car. Luckily, he has his insurance that cover his costs.

Today my instructor called me up, and told me about his car and his insurance.
Luckily, my instructor’s insurance company will cover his costs eventually.

HOWEVER…..I’m aware that he has lost his other customers, can’t get any income, hard to go to work, hard to send his kids to school and etc; therefore he wants me to pay $600, to cover up his personal lost.

Should the student pay for the instructor’s personal lost?

Administrator answers:

No way. That is a cost of him doing business. I’m sure he charges his students for the lessons. Maybe he didn’t tell his insurance company he was using his car for business and they denied his claim. In any event it is his problem not yours. He should have had insurance and a backup plan to cover himself in the event of something like this happening.

Mandy asks…

Will their insurance cover the cost of repair?

I was involved in a hit and run where the other driver ran a red light, hit my car, then fled scene. Several people followed him and called the police to report his location. He is unlicensed and the vehicle belongs to his girlfriend’s parents. Do you think their insurance will cover the damages to my car?

Administrator answers:

Their insurance may cover but if you have collsion coverage you will be wise to use that and let your insurance company pay to fix your car. (You will have to pay your deductible but it may be returned to you later) Using your own insurace will automatically transfer the entire mess to your insurance and to their lawyers (if needed) and you won’t have to lift a finger. If you don’t have collision, you will have to wait to see if the girlfriends parents insurance will cover. My company would cover but other companies wouldn’t. Contact your insurance company for advice. Do this ASAP !

When you have insurance USE IT !

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