ASG Posted August 16, 2013 Posted August 16, 2013 Oh, interesting. That means someone with history of risky driving and accidents will pay the same premium as someone who has a clean history, as long as they have the same type of car? No. The insurance is held by the owner of the car. But it's the car that's insured, not the driver. So if you're a risky driver, with a history of accidents, your premium will be higher than someone who isn't. But everyone can drive your car and still be under your insurance. Which means, obviously, that if someone has an accident, while driving your car, and it's their fault, your insurance premium WILL go up. 1
clia Posted August 16, 2013 Posted August 16, 2013 I can't think of one time in my entire life that I've let anyone borrow my car. I have on rare occasions allowed long term boyfriends to drive my car when I've been in it, but that's about it. So, no, I definitely wouldn't even entertain the idea of letting a dude I'd been dating for two weeks borrow my car. I actually think car borrowing is really strange anyway. Cars are way too expensive.
SmileFace Posted August 16, 2013 Posted August 16, 2013 I let my friends and my parents drive my car... However I would let a guy dating drive my car - as long as I know how he drives and I am in the car.... I won't let someone borrow my car.
tbf Posted August 16, 2013 Posted August 16, 2013 No. The insurance is held by the owner of the car. But it's the car that's insured, not the driver. So if you're a risky driver, with a history of accidents, your premium will be higher than someone who isn't. But everyone can drive your car and still be under your insurance. Which means, obviously, that if someone has an accident, while driving your car, and it's their fault, your insurance premium WILL go up.This is a bit of a misrepresentation of what this type of insurance means. It means that it's up to the owner of the policy to monitor who's allowed to drive the car since any accidents have impact on the owner of the policy's insurance premiums in the future since it's presumed that whomever had the accident is de facto the owner of the policy. So it's not actually the car that owns the insurance. It's the owner of the policy where the car has been identified as a component of the policy. 1
Geiss Posted August 16, 2013 Posted August 16, 2013 I would have to look at their driving abstract first.
Radu Posted August 16, 2013 Posted August 16, 2013 No. The insurance is held by the owner of the car. But it's the car that's insured, not the driver. So if you're a risky driver, with a history of accidents, your premium will be higher than someone who isn't. But everyone can drive your car and still be under your insurance. Which means, obviously, that if someone has an accident, while driving your car, and it's their fault, your insurance premium WILL go up. It's the same here, also EU. Basically you get insurance on the car, based on the driver's record. If there is an accident while loaned, the owner of the insurance [and of the car] gets the increase in payments. In effect, the one who loans the car ends up paying for the mistake of the one who borrowed it.
King_Crimson Posted August 16, 2013 Posted August 16, 2013 Depends on the girl. But with my current girlfriend, yes, I do (she's a good driver).
Radu Posted August 16, 2013 Posted August 16, 2013 NEVER EVER NEVER EVER AGAIN! I dated a girl -the jewish-alcoholic-rednick (if you know me, you know the one I'm talking about)... who I let borrow my car to drive two miles...TWO MILES! What did she do? She got drunk, drove it, nailed another car somehow with my mirror right in front of the county court house... drove off... called me while I was at the opening night of a play, i was the stage manager (i.e. director) and tells me her ex smashed my window and broke my mirror. I convince her to call the cops, assuming she was telling the truth... the cops come, and she is given a ticket for filing a false police report, hit and run and for drunk in public... because they couldn't confirm she had been drinking while driving my car. she then said it was one big misunderstanding. She did pay for my window and for the other damages to the other car... but I had to go to her court dates. When we broke up she tried to convince me to lie in court, i of course did not... she wanted me to take the wrap. no way in hell! Never again! My current fiance has drove my car a grand total of one time! I would let her drive it if i had to, but to be hoenst i get leery about it. She is not the best driver. Oh man, you sure know how to pick them. But this reminds me of the few times that we did borrow the car. We borrowed the family car to my cousin, and this guy drives in a very agresive fashion. After just 300 miles, the car had trouble going into 1st gear, and the fuel consumption was off the charts. Worse, we found out later he put fuel from the wrong place, and one of the injectors got blocked. We had to rev the car for about 1hr at 4000 rpm, to try and clean it. We couldn't and we had to replace it, about 300$ down the drain just because he put LukOil diesel fuel [it's very crappy but the cheapest around]. Manuals can be a bitch to give to others; they mould to the driver more than automatics because you control the clutch. One of my cousin's car went bad, and needed a loaner for a few weeks. We made a list of how the car should be taken care of [it was after the episode above]. 1.1l engine, not that fussy ... what could go wrong ? We got it back, when going in 1st gear you could hear a rattle, it sounded soon after like 2 sheets of metal were in friction one with the other. Gas consumption went from 5.5l outside, to almost 8l outside. In town it went from 8l [with AC on], to 12-13l. Turns out that the lid that covers the air filter could be accessed from inside the car, right under the right dashbord. She drove someone, who was a bit tall [and probably hit it], and a few days later she found this lid on the floor. That she promptly put aside to not be lost, only to lose it. And never told us about it. The clutch problem we thought it was because the car had an issue, it happens. Untill she drove my mom in her Peugeot 206, and the car had the same noise [not as loud though].
Ruby Slippers Posted August 16, 2013 Posted August 16, 2013 I've always taken at least a few months to get to the point of driving each other's cars, and this feels very reasonable to me. I'm very conservative when it comes to doing anything that opens up legal or financial risk - such as driving someone else's car you're not insured to drive, letting someone not listed on your policy drive your car. I don't want the drama or expense in case of an accident. 1
Tropi_cali510 Posted August 16, 2013 Posted August 16, 2013 i see it as if she knew you enough to have sex atleast give a dude a ride to where he needs to go lol
phineas Posted August 16, 2013 Posted August 16, 2013 I cannot remember the last time someone drove my car. Maybe my dad. But then I drive cars that I can buy up front so we aint talking about anything from this decade.
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