Tuesday, January 27, 2015

If I was an intoxicated passenger in my own vehicle and an unknown person drove me home but hit a car and ran will my insurance cover the da...

Question

If I was an intoxicated passenger in my own vehicle and an unknown person drove me home but hit a car and ran will my insurance cover the damages to the other persons car



Answer

Yes your coverage for property damage should cover up to the limits of your insurance.



Answer

If the "unknown driver" was a one-time permissive user, then the answer is most likely yes. However, this is an unusual fact pattern that you describe and your insurance company will likely proceed to investigate under a "reservation of rights" - which means they could later deny coverage if any of the facts don't check out..



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