QuestionHi Justin, ok so the other day i was using my dads truck to get to work, and i got off around 1AM and on the way home i swevered to avoid hitting a dog in the road. I flipped 3 times and totaled the truck completely. I didn't hit anyone, thank god. But i was no list on his insurance as a driver, and the truck was paid off. So what should i do now? will my parents get money for the truck?
AnswerWell David, it depends on whether or not the truck was insured and whether or not you have personal insurance.
If the truck is covered, then yes there will be coverage for you if you were a permissive user. If the truck doesn't have coverage, but you have coverage, then again, it will be covered under your own liability coverage as a secondary policy.
It completely depends on whether the truck has collision coverage or whether you have insurance on another vehicle.
