i let him drive my car, and he ended up bumping into a gas pump knocking one of the pipes inside loose. they had to close it down and get some guy there to repair the thing. is this going to raise my insurance? and do i have to call this crap in to my insurance company?
2006-07-31 05:28:59 · 6 answers · asked by bumfighterbfk 1 in Cars & Transportation ➔ Insurance & Registration
In most cases, a non related driver(One that does not reside in your household) given your expressed permission to drive your car is covered. Your car did the damage to the gas pump so the owner of the car is responsible for the damage. Your company may report this as a property damage liability claim on your record but the company should not charge you more because you didn't cause the accident and you didn't receive a moving violation for the accident on your driving record.
2006-07-31 05:58:07 · answer #1 · answered by jjcane64 2 · 2⤊ 0⤋
Yes, you would want to file an insurance claim for the store will most likely have a high repair bill and possibly loss of income claim against you. If your vehicle is damaged in the accident, your friend's insurance may cover your damages but your insurance for your car will pay for the gas pump damage.
2006-07-31 15:43:00 · answer #2 · answered by Pucci88 2 · 0⤊ 0⤋
You may get surcharged for the accident in the future, since it's your policy, afterall, that is going to pay for all the damages. However, your friend will now have an accident following him around for the next 3 to 5 years.
Find out how much it is to repair, but more than likely you won't be able to afford it. Turn it in to the insurance co. And as always, make sure you get a police report!
2006-07-31 06:42:14 · answer #3 · answered by mktobyjo 3 · 0⤊ 0⤋
Yeah, you better call it in to your insurance company! And file a police report. And file a DMV report.
And yeah, it's going to hit your rates! Unless you want to pay the damages out of your pocket!
2006-07-31 05:48:02 · answer #4 · answered by Bostonian In MO 7 · 0⤊ 0⤋
No. This won't affect your rates. Driving history follows the driver.
However, they have the right to deny the claim if he's not a listed driver. They may drop you from coverage due to lack of listing correct information.
2006-07-31 06:37:56 · answer #5 · answered by PeppermintandPopcorn 3 · 0⤊ 0⤋
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2016-11-03 09:24:05 · answer #6 · answered by ? 4 · 0⤊ 0⤋