I was involved in an auto accident while using a friend’s car. It was a hit-and-run. How will this affect his insurance?
Answer: In most cases, a claim will result in an increase in premiums. However, if you were the driver and not your friend, whether his claim will be paid or not depends on his coverage for “occasional drivers.” If his policy stipulates that occasional drivers have to meet certain age or other criteria, or if occasional drivers are excluded, he could be denied coverage.
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