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Your Questions About One Day Car Insurance

February 14, 2013

Charles asks…

I involved in a car accident and that car insurance just expired few days ago?

I borrowed my brother in law car and unfortunately, i collided with another car. Then I realized that my brother’s car insurance with GMAC has just expired few days ago. I don’t have the same address with him, just borrow his car occasionally because i just moved here. I have my own car insurance in another state with AAA. What can I do in this situation?

Administrator answers:

Report the claim to your car insurance company.

Your company may provide coverage for your brothers car as a “non-owned auto”. As long as the car is not provided for your regular use, the liability and collision coverage provided by your car policy may cover your accident in your brothers car.

You would need to get written confirmation from your brothers car insurance company that his policy was not in force on the date of the accident.

This is something that will depend on the language in your policy. It’s also something that is not done very often. Many adjusters don’t know you can do that. They tend to think of a “non-owned” auto as a rental car. But the way most policies read, a car you borrow from someone who does not reside in your household and is not provided for your regular use will qualify for coverage as a “non owned auto”.

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