"Seen cases where the friend's insurance had to step in first—depends on the company and state."
Yeah, that's usually true, but I've also seen it go the other way around. Had a claim once where the owner's policy was primary, even though the friend had their own coverage. Turned into a bit of a headache figuring out who pays what... policies can be weirdly specific about this stuff. Makes me wonder if there's ever really a clear-cut rule or if insurers just wing it case-by-case.
Makes me wonder if there's ever really a clear-cut rule or if insurers just wing it case-by-case.
Yeah, it's definitely not a one-size-fits-all thing. Usually, the owner's policy is primary since insurance typically follows the car, not the driver. But like you said, policies can get weirdly specific—I've seen exceptions pop up based on state laws or even fine print in the policy itself. Seems insurers have their own internal logic sometimes... best bet is always to double-check your policy wording beforehand to avoid surprises.
"Seems insurers have their own internal logic sometimes..."
Yeah, that's pretty spot-on. Had a client lend his car to a friend who got rear-ended, and you'd think it'd be straightforward, right? Nope... ended up tangled between two insurers debating liability clauses. Always pays to read the fine print.
Yeah, insurers can be tricky like that. Seems straightforward until you find yourself in the middle of a policy maze. A buddy of mine once borrowed my classic Mustang for a weekend cruise, and while nothing major happened (thankfully), it got me paranoid enough to double-check my policy afterward. Turns out there was some vague language about "occasional drivers" that made me pretty uneasy.
"Always pays to read the fine print."
Couldn't agree more—especially when dealing with something valuable or sentimental. It's amazing how quickly things can spiral into confusion when insurers start debating technicalities. Glad your client's situation eventually got sorted though... these things can drag on forever if you're unlucky.
You're right about the policy language—it can definitely get fuzzy, especially around "occasional drivers." I've seen cases where that vague wording caused unnecessary headaches.
"Always pays to read the fine print."
Exactly this. Even if nothing goes wrong, knowing precisely what's covered gives peace of mind. Glad your Mustang came back safely though... classic cars aren't something you want tangled up in insurance disputes. Good call double-checking afterward—being proactive rarely hurts in these situations.
