The good news is that, in Massachusetts, the insurance follows the car; so if you let your friend borrow your car and they have an accident, in most cases, your policy would pay the damages.

What does it mean when collision is not included in insurance?

Collision insurance does not cover: Damage to your vehicle not related to driving (examples: hail or theft) Damage to another person’s vehicle. Medical bills (yours or another person’s)

What is a good deductible for collision?

Consumer advocates typically recommend a $500 collision deductible unless you have substantial savings on hand. Deductibles are due per incident, so you will have your deductible amount due each time a collision claim is made.

Who is not covered by my car insurance?

The “excluded driver” is not covered. This is someone that you explicitly note is not covered by your policy. You can decide that a family member who isn’t a good driver is not someone you want using your car. In some cases, the insurer may request that you refuse driving privileges to someone in your household with a history of DUIs or accidents.

What happens if my car is totaled and I have no insurance?

If your car is totaled and you have no insurance, your options are limited. Even if your car was stolen and totaled, without insurance you’re going to be on the hook for the cost of repairs and for the remaining payments you owe on the vehicle, if any. There’s a solution to help you out of this sticky situation: CarBrain.

What happens if my son is in an accident and is on insurance?

If your son was “on the insurance” and had an accident, then he is covered under the insurance policy. Tender the defense to the insurance company and let them do their contractual duty which is to defend you and your son. * This will flag comments for moderators to take action. * This will flag comments for moderators to take action.

Can a totaled car go to a salvage yard?

Usually, a totaled car goes to a salvage yard, but you can choose to keep your vehicle. If your car is severely damaged in an accident, your insurance may declare it a total loss. This usually happens when the damage to the car would cost more to fix than the car is actually worth.