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自動車保険は、
- #1
-
- Pei
- 2007/06/04 02:01
来週友達が日本からアメリカに来るんですが、そのときに車を貸そうと思っています。それでインシューランスなんですが、名前は私になっていますが問題はないのでしょうか?車は私の名義で購入しインシューランスも私となっています。どなたかご存知のかたいますか?
- #2
-
Best is ask your company, but most the time they cover only you. Be careful.
- #5
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Peiさん
Peiさんが加入している保険会社に問い合わせるのが1番良いと思います。
ただ、私が思うにお友達が事故を起こした場合、自分の会社と契約していない人が起こした事故について保険会社が倍賞をするとは思えません。
レンタカーを借りてもらうのが無難だと思います。お友達が事故を起こして、その責任がPeiさんに来た場合2人の仲が壊れたりしませんか?
例えば、お友達が車をどこかにぶつけて破損して修理代が900ドルかかる場合、Peiさんが運転していた事にして保険を利用しても500ドルはディタクタブルなのでPaiさんが払わなければなりません。保険会社は400ドルを支払います。お友達が仮にディダクタブルの分500ドルを支払ったとしても、保険使用後に保険料が値上がりした場合、値上がり分の負担はPeiさんがする事になるのではないでしょうか?お友達が値上がり分の保険料を払い続けてくれるのなら良いですけど。
- #6
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- d357
- 2007/06/05 (Tue) 09:53
- Report
Just warning. When your insurance is under your name, and you make your friend's accident claim as yours, it called “fraud”. It is very serious offense. Be careful. Insurance companies (especially in CA) are serious about it. You may go jail, and then deportation.
- #7
-
- Spice
- 2007/06/06 (Wed) 10:54
- Report
専門家ではありませんが、大抵の場合「オーナーの許可の下で運転していた際の事故はカバーされる」ことになっていると思います。ただ、保険会社はいかにクレームを却下するかで会社の利益が変わってくるので、そう簡単に払ってくれるとは限りませんよね。ご注意を。なので、保険会社に直接問い合わせるのもそうですが、日本から来るお友達には、必ず旅行保険に入ってきてもらいましょう。(ただし、旅行保険はレンタカーのみカバーかも。これも注意しないと。)
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