Car Insurance Coverage Clarification

Summary

If a car registered in your name is involved in an accident while a friend is driving, your friends insurance may cover the damages if he has a non-owner policy. Otherwise, your insurance is typically primary. A Letter of Denial from your insurer may be required by your friends insurance to confirm non-coverage. If your friends insurance still doesnt cover everything, review both policies, negotiate with insurers, or consider legal action. Insurance companies request a Letter of Denial to ensure all primary coverage options are exhausted.

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I have a car that friend uses for daily purposes. He has an insurance on the car. He involved an accident. Is his insurance will cover up everything?
Hey ****! To provide better information, can you tell me if the car is registered in your name or your friend's name? This helps determine whose insurance might be responsible.
It is registered my name
Thanks for sharing that, ****. Generally, in California, if the car is registered in your name, your friend's insurance might cover the accident only if he has a non-owner policy. Otherwise, your insurance would typically be the primary coverage.
Would you like to explore connecting with local lawyers who can assist you further with this case?
They told him they will cover it but they need a letter from my insurance company that my insurance is not gonna cover. What is this meaning?
Case Rating: *
It sounds like your friend's insurance company wants confirmation that your insurance will not cover the damages before they proceed with covering the accident. This letter is often called a "Letter of Denial" or "Coverage Denial Letter."
Would you like to know how to obtain this letter from your insurance company?
Yes
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To obtain a "Letter of Denial" or "Coverage Denial Letter" from your insurance company, you should contact your insurance provider directly and request the letter. Explain the situation and provide any necessary details about the accident and your friend's insurance request.
Do you need any assistance with contacting your insurance company?
No thanks
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It seems like you have the necessary information to proceed with obtaining the letter from your insurance company. If you have any other legal questions or need further assistance in the future, feel free to ask!
Do you think his insurance handle everything if get the Letter of Denial?
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If your friend's insurance company has already indicated that they will cover the damages upon receiving the Letter of Denial from your insurance, it is likely they will handle everything once they get that confirmation.
Would you like to know more about what to do if his insurance still doesn't cover everything after that?
Yes I would like to know
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If your friend's insurance still doesn't cover everything after receiving the Letter of Denial, you have a few options:
- Review Policy Details: Check both your insurance and your friend's insurance policies for any applicable coverage.
- Negotiate with Insurers: Contact both insurance companies to negotiate coverage.
- Consider Legal Action: Consult a lawyer for potential legal action to recover damages.
Would you like more information on any of these options?
Why insurance company is doing this even though he has an active policy?
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Insurance companies often require a Letter of Denial to ensure that all possible primary coverage options have been exhausted before they step in. This helps avoid overlapping coverage and ensures that the correct policy is used.
Would you like more information on dealing with insurance companies?