Over spring break my friend loaned me her car. As I was turning left on a green light another car crashed into me. My friends mom wants 500 dollars for the accident that was not my fault. Do I legally owe her money even though the car is insured?
2006-07-20 11:42:59 · 48 answers · asked by soccergirl45678 1 in Cars & Transportation ➔ Other - Cars & Transportation
Who got the ticket?
If you got a ticket, the accident is your fault. At that point, you owe money.
If the other person go the ticket, the accident is their fault. At that point, that person's insurance company is liable for the repairs, and THEY owe your friend money.
2006-07-21 18:34:53 · answer #1 · answered by Jim T 6 · 1⤊ 0⤋
Insurance follows the car not the driver, that being said you were driving the car. When a car hits you and you are not a fault then it is paid by the other cars liability.(property damage) which does not have a deductible, however, If the party that hit the vehicle is disputing that he or she is not at fault. Then the owner of the car will have to turn it into there car insurance company and pay the deductible under collision. It looks like the $500.00 is a collision deductible. At this point the insurance companies will go into something called sebragation. This can take up to a year and they will hold the deductible. If the owner of the car's insurance company gets the money from the other car's insurance carrier then they will release the deductible back. However, if they have to pay then they will keep the deductible. Technically, you are not responsible to pay anything, however it would be the higher moral ground to do so since you were driving the car. With the knowledge I gave you, you still may receive the $500.00 back if it truly is the other cars fault. but it may be a while until you see it. Good Luck and Do the RIGHT THING...
2006-07-20 12:02:10 · answer #2 · answered by 345Grasshopper 5 · 0⤊ 0⤋
There isn't enough information given to give you an accurate answer. Were the police called and is there a police report that cites fault? And did you obtain the other driver's insurance information? What exactly did you to to mitigate the damage and protect the owner of the car?
BTW, you should know that even though the car may have been insured, there is something called a DEDUCTIBLE that has to be paid. And if the mother reports the accident to her insurance company, her rates may go up or the policy may be cancelled entirely...especially if you are not an approved driver.
Anyway, in my honest opinion, if you did not contact the police over this accident and/or did nothing to obtain the other driver's insurance information, then I believe that you should at least be responsible for paying the car owner's deductible.
Remember this...when you borrow something....you are always responsible for returning the item in the exact same condition you borrowed it in.
2006-07-20 11:50:07 · answer #3 · answered by pragmatism_rules 7 · 0⤊ 0⤋
I dunno what state you're in but here in CA, even if it's a green light (and not green arrow) the left turn still doesn't have the right of way over people who are going straight or right ahead of you.
You have to remember that even if it wasn't your fault, the other party might not have insurance to pay for the car. Also, even if your friend's insurance is comprehensive it still has a deductible to get it fixed. Most likely it is $500 down so that's why your friend's mom is asking for it from you.
If you want to keep the friendship, do the right thing and just pay for the damages and next time, drive your own car! It's not wise to drive other people's car's without being responsible. Try being in your friend's shoes. You were a jerk for messing up her car.
2006-07-20 11:50:07 · answer #4 · answered by the_memory_of_ashes 4 · 0⤊ 0⤋
Yikes, that sounds like a very sticky situation!
Events like this can really turn a friendship sour, so make sure (if you want the friendship to continue) that you do the right thing.
I would guess that you should pay your friend/their parents whatever is not covered by insurance.
Even if the accident was NOT your fault and the other driver has to pay, your friend's car insurance will undoubtedly go up. Helping out financially can soothe the friendship and slave any hurt feelings.
Be sure to cooperate completely with the insurance companies, police, friend's parents, etc. You don't want to look like the bad guy!
Saying you are sorry and asking them to accept your apology is a good way to also soothe the hurt feelings.
Good luck with the situation! I wish you and your friend the best! :)
2006-07-20 11:55:53 · answer #5 · answered by JennBride 2 · 0⤊ 0⤋
There might be a $500 deductible to have the car fixed, and if the state the car was insured in is a no-fault state, then it doesn't matter who actually caused the accident.
2006-07-20 11:46:20 · answer #6 · answered by tsopolly 6 · 0⤊ 0⤋
No way!
You tell her it was not your fault.
The insurance company backed you up on that.
The other driver's insurance company is paying for everything.
So you don't have to pay for a cent.
This is why people have insurance.
You don't have to pay for anything....including the deductible if it in fact is $500.
Paying for something that is not your fault???
That is ridiculous.
How would the mom like it if the roles were reversed and your mom asked the other girl for $500 for an accident that wasn't her fault.
NO WAY! Stay strong girl! Those are the breaks in life.
2006-07-20 11:50:39 · answer #7 · answered by ggthekid 2 · 0⤊ 0⤋
well you were responsible for the car not the accident.. what her Mom probably wants is the cost of the deductible for the repairs to the car her(your friends) insurance requires..
so yes i would say that you are legally responsible but in the case where the person who caused the accident's insurance reimburses your friends Mom then you should get your money back.. might want to just ask if that happens to give you the money back...
2006-07-20 11:49:21 · answer #8 · answered by DeeDee 4 · 0⤊ 0⤋
Even if the car is insured she still has to pay a deductible which will be reimbursed by the other cars insurance if she request that it be that way .... legally I don't think you owe her the money ...morally now that's another story
2006-07-20 11:49:11 · answer #9 · answered by ptmamas 4 · 0⤊ 0⤋
You were driving the car which means you were the one that is responsible for the car. So if the car has any damage above and beyond the covered insurance costs you are going to have to pay. That is the way it goes. If she was driving your car it would be the same thing you would come after her and you know it.
2006-07-20 11:48:13 · answer #10 · answered by rottenkid4560 3 · 0⤊ 0⤋
Did the officer that showed up determine you were not at fault? Did you sign a contract stating that any damage done to the vehicle would be your responsibility? If not, then no, you're not legally responsible. Though morally, you should offer to help cover the cost of repairs, but as it's not your fault, I wouldn't pay in full. Maybe half.
2006-07-20 11:47:25 · answer #11 · answered by sovereign_carrie 5 · 0⤊ 0⤋