If a car has only storage insurance on it and someone else drives it can the person who has the insurance policy be held responsible and will it affect that person's insurance?

Answer 1

I'm assuming that "someone else" had an accident while driving this un-insured car, and that person should be held responsibility. However, if they have no assets, responsibility will fall on the cars owner, who in most cases is also the person who has the insurance policy.

In assuming that "someone else" had an accident and did damage to something other than your vehicle, other car or person, then i would go directly to or if you are deployed then call the police department and let them know that your vehicle was used without your permission(stolen) and caused damage. If you do this then the insurance company that has the storage insurance will cover you for the vehicle as well as the impending lawsuit behind the damage that the other person did and basicly make whomever had their property or person damaged would have to pass your pockets by and go after the driver of the stolen vehicle. If you do not do the police way or if you let someone drive your vehicle then the responsibility will rest on your sholders and the insurance company may not cover you at all, as not filling out the police report is like saying that no crime took place i.e. you let them borrow your car.

Thank your "someone else" for putting you in this situation