How to say 'no' when they ask to use my car? - Page 3 - The Horse Forum

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post #21 of 41 Old 09-13-2012, 12:34 PM
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I co-own all vehicles with my parents (because we share at times), however unless there is no other way to go around we don't use each other car. If you still have to, we just try to co-op with the rules of the perm driver for that car (like chips and other junk are prohibited in the car I drive, etc.). To me your stepdad shows no respect for you (as well as your aunt/uncle), and I'd just not give him a key for the car.

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post #22 of 41 Old 09-13-2012, 12:37 PM
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If payments are being made on the car-it's my understanding collision coverage is mandatory-that means damages to that car is covered & it's more expensive!
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post #23 of 41 Old 09-13-2012, 12:43 PM
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If payments are being made on the car-it's my understanding collision coverage is mandatory-that means damages to that car is covered & it's more expensive!
Yes that's right! I read "basic insurance just for wrecks" as being liability. If the car has a loan from a bank, it definitely has full coverage.
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post #24 of 41 Old 09-13-2012, 12:45 PM Thread Starter
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I'm on my mom's insurance for everything because it's cheaper. As long as I'm a full time college student, I'm on her insurance for medical/dental, and i'm pretty sure she's got me on her insurance poilcy with the car because it's cheaper.

I think we just have liability coverage, but that doesn't really make much sense based on what was said, because when I wrecked her Pontiac (I wasn't on the policy as a driver of that car) the insurance paid for the medical bills, ambulance bills, and we got money for another car...

Confusing...

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post #25 of 41 Old 09-13-2012, 12:46 PM Thread Starter
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So... because we are making payments on the car still, it has full coverage? :/


I'm trying to understand...

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post #26 of 41 Old 09-13-2012, 12:48 PM
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If payments are being made on the car-it's my understanding collision coverage is mandatory-that means damages to that car is covered & it's more expensive!
Collision coverage isn't mandatory in all US states, CC. It also depends on the lienholder, and whether or not they require it.

Britt, full coverage is a heck of a lot different than just basic liability/collision coverages. Collision coverage on a vehicle with a lienholder is to protect them, not you. It also depends on the year and mileage of the vehicle and what kind of shape it was in prior to the accident, whether or not you'll still have a loan balance to pay off if the vehicle gets totaled.

Not only do I have a top of the line insurance plan, I also have GAP, which will pay off any existing money owed to my lienholder should whatever my insurance company pay fall short of the loan amount due.

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post #27 of 41 Old 09-13-2012, 12:49 PM
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We can't tell you what your mom's car is covered for; you need to contact the insurance company to find that out.
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post #28 of 41 Old 09-13-2012, 12:52 PM Thread Starter
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Yeah, I know... Lol... Hindsight is 20/20. That was a bit of a dumb question to ask...

I'm curious to know just what kind of coverage we have and just who is on the policy, now, so I'm going to either ask my mom this afternoon or call the Allstate place later and find out.

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post #29 of 41 Old 09-13-2012, 12:57 PM
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It is best to go right to the source; call Allstate yourself and have a pen and paper ready. Your mom may not know exactly what is or isn't on the policy... I own my own policy (have since I began driving and got my car) and I would still call up with questions even though I read through my policy thoroughly each year.
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post #30 of 41 Old 09-13-2012, 01:06 PM Thread Starter
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Ok then, that makes a lot of sense. I will definitely call Allstate later and get the info. I really am wanting to know what sort of policy we have and all now, lol...

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