Fatal Collision Makes Car-Sharing Worries No Longer Theoretical
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Re: Fatal Collision Makes Car-Sharing Worries No Longer Theoretical
#2This is a bit of FUD IMHO
Also, I've thought for some time that P2P car sharing should be over longer terms, like months.
Re: Fatal Collision Makes Car-Sharing Worries No Longer Theoretical
#3I don't understand why they aren't going after the dead guy's insurance. He's the one who was at fault, not the owner of the car, so his insurance should be the one to pay for the injuries.
Re: Fatal Collision Makes Car-Sharing Worries No Longer Theoretical
#4I don't understand why they aren't going after the dead guy's insurance. He's the one who was at fault, not the owner of the car, so his insurance should be the one to pay for the injuries.
If the person didn't have their own car, I would be surprised if they had their own car insurance. The victims could sue the estate, but there might not be a lot of money in it.
Re: Fatal Collision Makes Car-Sharing Worries No Longer Theoretical
#5I don't understand why they aren't going after the dead guy's insurance. He's the one who was at fault, not the owner of the car, so his insurance should be the one to pay for the injuries.
Liability law allows the injured party to go after both, and if one of them was without insurance . . .
Re: Fatal Collision Makes Car-Sharing Worries No Longer Theoretical
#6I don't understand why they aren't going after the dead guy's insurance. He's the one who was at fault, not the owner of the car, so his insurance should be the one to pay for the injuries.
Because that's not how car insurance works. You purchase a policy to insure your car (and in most cases other drivers in your family). Car insurance doesn't insure the individual against whatever vehicle he may be operating on any given day. That's why your car insurance is based upon the make/model/year of your car, as well as which state it is registered in, how many miles you drive it per day, etc.
It also seems from the article that they haven't determined who was at fault.
Re: Fatal Collision Makes Car-Sharing Worries No Longer Theoretical
#7I don't understand why they aren't going after the dead guy's insurance. He's the one who was at fault, not the owner of the car, so his insurance should be the one to pay for the injuries.
Because that's not how car insurance works. You purchase a policy to insure your car (and in most cases other drivers in your family). Car insurance doesn't insure the individual against whatever vehicle he may be operating on any given day. That's why your car insurance is based upon the make/model/year of your car, as well as which state it is registered in, how many miles you drive it per day, etc. It also seems f…
Some car insurance policies cover rental cars. My insurance covers car rentals, so that I don't need to pay for the insurance coverage when I rent a car.
From the article: "According to a preliminary police report, their car was hit by an oncoming car that seemed to have been traveling south in their northbound lane. The report concluded that Mr. Fortuna would be found at fault."
Re: Fatal Collision Makes Car-Sharing Worries No Longer Theoretical
#8This is a bit of FUD IMHO Also, I've thought for some time that P2P car sharing should be over longer terms, like months.
With all the financial products the banking world creates, I'm sure someone will come up with an insurance policy for this. Sure it won't be cheap, but will be a solution.
Re: Fatal Collision Makes Car-Sharing Worries No Longer Theoretical
#9I don't understand why they aren't going after the dead guy's insurance. He's the one who was at fault, not the owner of the car, so his insurance should be the one to pay for the injuries.
Because that's not how car insurance works. You purchase a policy to insure your car (and in most cases other drivers in your family). Car insurance doesn't insure the individual against whatever vehicle he may be operating on any given day. That's why your car insurance is based upon the make/model/year of your car, as well as which state it is registered in, how many miles you drive it per day, etc. It also seems f…
That actually is how car insurance works. There's a property insurance component ("collision" and "comprehensive") that insures you against loss or damage to your property. Then there's a more expensive liability insurance component that insures you against liability as a driver of any car. The property insurance portion is optional as long as you own your car outright.
Re: Fatal Collision Makes Car-Sharing Worries No Longer Theoretical
#10Perhaps the answer here is to insist that a renter must either have valid insurance already that would pay out to third parties in the event that they were driving any vehicle. Most fully comprehensive insurance in the UK already covers this assuming you have valid fully comp on some car already.
For example I (being fully insured on my own car) could drive a friend's car without being specifically insured on it and were I to get involved in an accident (that was my fault) then damage to third parties are covered but damages to my friend's car are not unless his insurance specifically covers me.
If the renter doesn't have this insurance already simply increase the amount they have to pay to rent in order to cover it.