If my son’s girlfriend had an accident in his truck that was not insured, will her insurance on her vehicle cover it?
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Asked February 13, 2019
When a driver has an accident in a vehicle that is not insured, there will typically be no coverage, because in most cases, the insurance follows the vehicle. The girlfriend could theoretically have her own auto policy with an endorsement that could cover her bodily injuries and those of others when she caused an accident in someone else's vehicle, but there would still be no coverage for the boyfriend's truck. If the truck was not insured, the damage to it would not be covered in any scenario, regardless of who was driving it at the time of the accident.
If the accident was not the girlfriend's fault, however, and if there was another driver involved who was found to be at fault, then the damage to the truck and the bodily injury to the girlfriend and any other passengers in the truck would be covered by the at fault driver's insurance policy.
Answered February 15, 2019 by JoshB