So my friend kept bugging me to let him drive my 2007 civic coupe and ends up crashing it into a curb while making a left turn into a neighborhood and at the same time, a van made a left turn into the street, ignoring the stop sign. He tried avoiding the car and then slams hard into the curb. I need an alignment and I'm not too sure about the back of the tire but there's a chance the frame might have been damaged. He came from a foreign country months ago and is in a homestay and says the government can kick him out for an accident and for me to take the blame.
How will insurance work out? Will my rates go up? I payed around 20k total for the car, so is a total possible? But, I think the best option is just for him to pay me after an estimate? What should I do?
2007-08-13 18:56:07 · 5 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Did your friend have a driver licence valid in your country?
If he didn't then you should never have let him drive it, if he did then I would find it very surprising that the government could do anything to him although even so you shouldn't let someone drive your car just because they keep bugging you.
Don't under any circumstances lie to the insurance company though.
2007-08-13 19:12:06 · answer #1 · answered by bestonnet_00 7 · 0⤊ 0⤋
Bullsh-t. You don't take the blame for him. It's doubtful the frame would have been damaged, but it's very possible the rim may have been bent, and very likely the alignment was knocked out of whack.
I assume this "friend" is not insured and may not have a drivers license?
First of all, the repairs would be less than your deductible (most likely) so just pay out of your pocket to get it fixed. No need to contact your insurance company. Since your friend was driving, he should eat the cost and be willing to do so.
Don't let this guy drive your car again. He may really cause damage and injury next time.
2007-08-14 08:48:22 · answer #2 · answered by boogiewthstu 2 · 1⤊ 0⤋
Try your best to avoid using insurance to pay for the repairs. Your premiums will go up and in the long run you may lose out. If possible, bring your friend to get a quotation from a reliable workshop and have him foot the bill. From then onwards its up to your inter-personal and negotiating skills to ensure he pays an appropriate percentage of the costs (preferably all of it =) ) while still ensuring the continuation of the friendship. If he's a good friend he'll have no qualms helping to pay. Its not advisable to use insurance because I'm quite certain your friend isn't covered in your insurance policy unless your policy is very comprehensive.
2007-08-14 02:27:38 · answer #3 · answered by bevi 2 · 1⤊ 0⤋
Just have him pay you cash. Let him work for it. There is no reason he should have been driving your car in the first place. If he crashed, sorry to sound insensitive, but he needs to pay up- it was his fault after all right?
And alignments are about a hundred bucks. Not that bad. If the rim is bad, a few hundred more. It sounds like he's just giving you the run around b/c he doent feel like taking responcibity.
2007-08-14 02:05:56 · answer #4 · answered by colormebrown 4 · 1⤊ 0⤋
He was driving, so it is up to him to deal with it.
He's worried about being kicked out of the country? That's just an excuse to avoid taking responsibility for his actions.
You'll have to contact your insurance agent for information regarding your policy, we're not privvy to that data.
You'll have to take your car to a mechanic to find out exactly what the damage is, again - we're not privvy to that data.
2007-08-14 04:05:37 · answer #5 · answered by My Evil Twin 7 · 1⤊ 0⤋