Car accident - insurance question

[Anonymous]

Anonymous wrote:You may have opened a can of worms.

I had same thing happen recently.

My 20 year daughter kid borrowed my car and lightly scratched a parked car and of course found owner in the store gave them my insurance info and my phone number as my car.

He called me on phone one hour later all mad. I literally did research and hot names of two body shops near his house. I tell him get quote and I will literally prepay on my credit card for repair. He then demanded I meet him that minute at body shop bring cash. I could not I was in a meeting. But said anytime at all this week.

Well he called my insurance and reported it. Well my daughter was not on my policy and they refused it. Then he goes back to me demanding money. At this point I am more than happy to pay but my insurance says my rates go up either way. So I tell my insurance I gave permission to drive. She lives at school and is not a regular driver they agree to pay.

Now my insurance want to see the car, get copies of bills and they notice car had an at fault accident in similar spot paid by his insurance company. So they contact his insurance company to notify car in accident, it hits car fax his car in accident. So after six months of fighting the not gets car totaled in I related accident.

He never got paid. My insurance went up.

You called police, you got both insurance involved. At this point other party has no reason to cooperate. They most likely would like a call from you to let them pay to fix car directly and you withdraw that insurance claim.

My guy could have had car fixed next day. I still don’t know what he was trying to do. It was in my case literally a $550 repair.

I think we go overboard with police reports and insurance and sometimes it backfires.

Just stay on top their insurance either kid is on policy or owner has to say kid had permission to drive car.

Cool story, bro.

[Anonymous]

Anonymous wrote:You said the teen was driving someone else’s car. Was it his MOTHER’s car? Or, someone elses?

This is the important part. Remember, insurance follows the car not the person driving.

My car insurance policy covers any licensed driver behind the wheel.

[Anonymous]

Anonymous wrote:

Anonymous wrote:You said the teen was driving someone else’s car. Was it his MOTHER’s car? Or, someone elses?

This is the important part. Remember, insurance follows the car not the person driving.

My car insurance policy covers any licensed driver behind the wheel.

Mine does not. Mine only covers authorized drivers. I have not authorized all of my kids to drive my cars because I don’t want to pay their insurance. Because they live with me they are expressly excluded from coverage. So you can’t assume a driver is covered just because you have your insurance set up that way.

[Anonymous]

Anonymous wrote:

Anonymous wrote:You said the teen was driving someone else’s car. Was it his MOTHER’s car? Or, someone elses?

This is the important part. Remember, insurance follows the car not the person driving.

My car insurance policy covers any licensed driver behind the wheel.

Not universally true. It depends on your policy. Some policies are for drivers. Those policies allow you to use your own insurance, for example, when driving a rental car.

Other policies cover the car regardless of who is driving.

And other policies have covered drivers, plus guest drivers authorized by the policy holder.

You need to check the terms of your policy for what it covers. In this day and age of a la cart insurance policies, every policy will be different. The insurance companies have done away with blanket policies in many cases.

[Anonymous]

Yep my kids got to be on my policy to drive my car.