- Yes, you can!
I know you have seen some shocking stories on news channels regarding insurance companies. I am sure you have heard about a lot of claims on the car, but what if the person who has died is your parent?
Can you still drive the car even if it has been reported as a hit-and-run accident? What will happen if the person dies while driving your car?
The answer to all these questions is – yes, you can drive the vehicle even after the driver has died. There are several clauses in your policy that will allow you to continue to use the car.
- Car Insurance Policies
Let us first understand the basic concept of a car insurance policy. A car insurance policy is nothing but a contract between the insurer and the insured.
It is meant to compensate the insured if the owner of the car causes an accident and gets injured and the insured gets injured as well.
For example, if you had a motor insurance policy and if your car is involved in an accident with another person, then the policy will cover you and the person whom you have collided with. In this way, your car insurance company will pay the money to you and to the other person for any damages that they have sustained in the accident.
This is a clause that covers the scenario where the driver who causes an accident does not stop, but leaves the scene and does not offer assistance to the victim. In this case, if you are the victim, your insurance company will not be able to pay you or any of the other party for the damages that have occurred.
For example, you are the victim of a hit-and-run accident and your insurance company does not cover the claim for the accident. At this stage, the insurer will not be able to cover you, but it will try its best to settle the claim that was made against you for the damages that have occurred.
However, if the person who caused the accident is your parent and if they die in the accident, then the insurer will try to settle the claim made by your family.
But, in this case, the insurer cannot allow you to drive a car that has belonged to a person who has died in the accident. So, you will not be able to drive a vehicle if the person who has died in an accident is the owner of the vehicle.
If a person dies while driving your car and the police report that it is a hit-and-run accident, then the owner of the car will not be able to drive your car because you are the owner of the car and you are also the person whose death occurred. So, it will be in your best interest to give the car to your family.
However, the car is also insured by you, so the insurance company will be able to pay for the loss caused by the death of the owner.
In this way, you can continue to drive the car even after your parent has died in an accident. It will be in your best interest to talk to the insurance company and your family