I crashed my friends girlfriends car (totalled), she is not mad about the car, she is glad we are alive, and she was not in the car, but how will the insurance work in this situation? she has full coverage, but i only have liability. please help, thanks.
2006-12-25 16:20:06 · 13 answers · asked by Sp86 1 in Cars & Transportation ➔ Insurance & Registration
there was no one else involved, no other cars or property damaged, we flipped off of the side of the road
2006-12-25 16:37:00 · update #1
and there was a police report, and i am at fault for the accident
2006-12-26 01:26:17 · update #2
sorry i see some of you writing about a deductible, what is it? and how much would that range from?
2006-12-26 01:54:53 · update #3
Your friend chose her deductible when she got insurance, so you would need to check with her. That is the amount that a person agrees to pay when his/her car is damaged out of his/her own pocket. It could be anywhere from 100-1000 dollars.
The insurance on the vehicle will apply. If you were driving with her permission it will be covered under the collision coverage. Good luck.
2006-12-26 12:46:36 · answer #1 · answered by Chris 5 · 0⤊ 0⤋
Her insurance should be the company to cover damages since it is her veh, and you had permisson to drive it.. Now if the veh is totaled, she may only get fair market value for the car.. As far as a deductible goes that wouldn't exactly apply in this situation unless they minus her ded from the payment they give her.. A ded is what you pay before insurance pays out.. Example if damages are 1,500 dollars, and your ded is 500.. You would have to pay the first 500, and insurance would pay the other 1,000. That is of course if your have comp, and coll... Ded's very from 0 dollars to 1,000... Her insurance may go after yours for some type of reimbursement depending on what was cause of accident, and if alcohol, or drugs were involved.. Good Luck....
2006-12-26 14:51:31 · answer #2 · answered by D.L. 4 · 0⤊ 0⤋
Her insurance is primary and will pay for the damages. You should pay her deductible for her if you were at-fault for the accident.
Assuming that there was no other property damage or third party injuries, your insurance doesn't factor into the equation at all.
Your liability insurance is secondary to hers (assuming that it covers you when driving someone else's car, not all do) so it will only pay for third party damages that exceed her liability coverage. It will pay NOTHING for the damage to her car.
2006-12-25 16:31:28 · answer #3 · answered by Bostonian In MO 7 · 2⤊ 0⤋
Glad to hear everyone is OK, her insurance will cover the damages, since you only have liability, your insurance doest cover. When my brother crashed my car, not his fault, he was OK , my car was totaled, and I ended getting a much better car. Hope you do too.Best wishes and Happy Holidays.
2006-12-25 22:36:38 · answer #4 · answered by Janice 10 7 · 0⤊ 0⤋
Insurance follows the vehicle NOT the driver-
therefore- her insurance collision coverage will pay for her vehicle. If you are a GOOD friend seeing this was an at fault accident- you will cover her deductible for her which she will owe.
2006-12-26 01:34:00 · answer #5 · answered by Anonymous · 0⤊ 0⤋
just depends on what state you live in... yes insurance normally follows the vehicle. If the accident was your fault and you have an insurance policy then your insurance can cover it sine you were the cause of the property damage. If you don't have a policy then your friend's insurance will pay for it. They are a lot of variables in every scenario. I am just glad that you are okay.
2006-12-25 16:31:50 · answer #6 · answered by Joey D 2 · 0⤊ 2⤋
If it works the same where you are as it does where I am, the insurance is purchased on the CAR. Not the Driver. Ya'll both should be okay so long as everybody lives and is not hurt.
2006-12-25 16:23:47 · answer #7 · answered by Appollyon 3 · 0⤊ 0⤋
In most states they will cover the car,what ever they think the value is ,is what they will cut her a check for minus her deductable is what the check is for.some insurance will cancel her after that.
2006-12-25 18:01:40 · answer #8 · answered by simsfamily0505 1 · 0⤊ 0⤋
Her Insurance will pay the car off and yours will pay what even hers didn't
i rember when i totalled my friend 1985 Plymouth Horizon
it was really cleen only had 72,000 miles on it my friend was mad
me told me i beter fix it lol i still have it in my back yard it's been back thier for 3 years now he thinks i'm fixing it but i'm not
like i told him it's to old and can't find the parts for it
be he still wants me to fix it he will see if i had the title i would junk lol
2006-12-25 16:29:11 · answer #9 · answered by davedebo198305 4 · 0⤊ 1⤋
well did she give you permission to drive the car?
if she did, insurance will cover it up if she has full coverage
good luck :D
2006-12-25 16:23:24 · answer #10 · answered by cocomademoiselle 5 · 0⤊ 0⤋