朋友之间共用汽车，保险怎么算？

x007

如果朋友之间一块使用一个车，保险怎么样计算？可以类似于家庭保险那样算吗？请热心朋友解答。

大卫

没听说过朋友之间一块使用一个车的!估计得买个商业险啥的,类似出租车似,估计得比几个人单独买加起来贵!

高枕无忧1

it depends on how much does your friends use your veh.
# l; X6 b4 n# r# ^if is is used very occassionaly by your friends,then you do not have to add your friends to your policy.
5 Y- e" l7 [  w8 c! Vif it is used quite often, you are supposed to add your friends to your file,which means your prem may be affected by his driving records.

in either case, the at -fault accident caused by friends will affect the insurance of the owner of the car.
+ P6 U  w$ H3 J* Z; U+ r/ z. yhopes it is clear.
. r# f5 l( Q9 ^# P1 B7 bfor more detail, call 451 3666 david .

billzhao

david不愧是专家

x007

谢谢高枕无忧

one point to confirm:
; g! }, s; q9 d2 ~! C' P6 c2 z  ?. n
# y( P9 Y# ^, ]8 B& }In case of occasional use by friend and at-fault accident, even if the friend is not added, the owner's insurance will still cover the cost of the accident ??

高枕无忧1

the insurance regulation rules that:

) j( H1 l5 L4 X- n. K3 n; Y8 uAs long as you give your friend or any other person permission(vergal or written) to drive, your own insurance will cover if they get invovled in accident. so the key is that you have to give consent to him/her.

明珠

it makes sense to me