如果朋友开我的车，出了事故，我的保险能cover 吗？ 多谢

[hanperson]

如题

 

[左突右闪]

yes, but if your friend is at fault, it may have effect on your insurance premium later on. If your claim is no more than $3000, I suggest you let your friend pay for it(if your friend is at fault).

 

[Python]

你的保险如果没有他名字当然不行了。最好你从 你的公司了解。

 

[左突右闪]

Well, let me explain it in a more detailed fashion.

Injury to the driver and passanges are always covered whether your friend is at fault or not as long as you have the insurance on the car.

For liability coverage.
If your friend is at fault: the damage to your car is not covered.
If your friend is NOT at fault: the damage to the car is covered.

For collision coverage.
If your friend is at fault: the damage to your car is covered.
If your friend is NOT at fault: the damage to the car is also covered.

Either way, if your friend is at fault and you make the claim, trust me, the insurance company is going to make you pay big later on.