Quote:
Originally Posted by ROLLGUY
From the link:
"If you give any non-excluded driver (that is, someone you don't explicitly exclude on your policy) permission to take the wheel, your car insurance takes primary coverage status, which means that your car insurance would be primarily liable if something happens. The permitted driver's own insurance would serve as secondary coverage. So, for instance, if you loan your car to your best friend Drew and he causes an accident, you'll have to file a claim with your insurer, pay the deductible, and possibly expect a rate increase."
From what I understand, the driver was excluded.
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Sounds like you'll have to go after the excluded driver's insurance then the owner independently of his/her car insurance. Are there meaningful penalties for uninsured drivers in your state? What's the small claims limit in your state?
Sixto
MB-less