If a wheelchair van owner has no insurance on their vehicle what insurance coverages are covered by the fully insured drivers own insurance if they are a caregiver of the owner?

Answer

Insurance follows the vehicle. If the owner of the wheelchair van has no insurance on it, and the person who drives it, has insurance on their own vehicle.... then the wheelchair van would still be considered an uninsured vehicle. Again, insurance always follows the vehicle.

The driver who is not the owner cannot use his/her insurance to cover the wheelchair van because they have no 'ownership' or 'insurable interest' in the van.

First answer by Marimac0102. Last edit by Marimac0102. Contributor trust: 2 [recommend contributor]. Question popularity: 12 [recommend question]