Fender bender - Lapsed insurance on friends truck - but I have insurance on my truck.?

Question

I have had a car on "loan" (perminent) at the house, I needed to use it to get to work, as a situation arose where I could not use my truck.
1.5 miles from home, I rear ended the person infront of me, (foot slipped from break) at a yield sign.
I was going 5 mph. The vehicle I was driving was a 80's light truck - the grille and head lamps got smooshed. Driver #2 was driving a big huge suburban.
pulled over, police came, report was written - it was discovered the insurance was lapsed on my friends truck. CRUD!
I let the officer and the driver know that I would be happy to take care of anything that need to be done, so, all was OK.
Driver #2 , The officer and I saw no visable damage to her SUV.
I said, have it checked out, and let me know.
I get a phone call from Driver #2 - with a 750.00 estimate on her bumper. Remember no visable damage.
What should I do from here, I have Insurance on my Vehicle, but what if this estimate is for esthetics? Shouldnt her insurance contact me?

Answer 1

You have a choice - settle with the woman directly for the $750.00 or turn it into your insurance company and see if they will pay.


In general - insurance follows the car. If the car did not have a policy but you did - then your policy may come in on an excess basis. (this is subject to the provisions of the policy of course).

Even if the damage to her vehicle is just aesthetics - you still caused it and you still owe to have it fixed.

Answer 2

a million) I doubt you ought to get a value ticket for no evidence because of the fact that no police have been on scene. they could ask so which you will carry evidence right down to station. they many times try this thinking you have the insurance and with a view to fill out place of work work. Does Texas regulation require a report if the dollar volume is over a definite volume? i'm no longer a Texas criminal expert yet you could relatively look that up. if so, a report could be filed via the two events and how could you comprehend if the wear and tear demands a report? 2) Did insurance corporation notify you of the lapse in accordance to the guidelines in Texas? verify it out with insurance commissioner. 3) without insurance, they'll purely have your sources to flow after. Do you have fairness at your domicile of abode? How plenty harm became into there to the different automobile? would not sound like a criminal expert could take it, and it would not sound like all people is claiming own harm. 4) you could tie this up in court with the subject of fault, yet their insurance corporation will in all danger have a criminal expert to do all of their paintings. i comprehend you do no longer desire to pay attention that even though it relatively is the fact. So, you could contest it. Worst case is that the court orders money. i could call for estimates from a number of places--no longer unique manufacturers areas the two. they'll attempt to apply their maximum. 5) A case must be made which you the two have been in action once you hit or they bumped into you, so it relatively is not any longer an uncomplicated win for them. 6) i could be greater keen with regard to the uninsured motorist rules and outcomes that's why i could call inurance commissioner the next day and ask the regulation on cancelling regulations and in spite of in case you won sufficient be conscious. good success, this stinks.

Answer 3

I've been rear ended with no visible damaged but it did push the bumper into the sheet metal and caused damaged. Your insurance may cover it if you call and ask. Check with them and ask about any excess fees, may be cheaper to pay out of your pocket. You have the right to ask for a second estimate to someone you trust.

Answer 4

her insurance company would contact you in the event you dont make payment and she has the repair done through her own insurance company.I would remind the person there was no visable damge noted at the accident scene. Maybe she backed into something else and decided to give you the bill.

Answer 5

since the auto you were driving had no insurance, you can file on your policy. your insurance may cover as excess coverage for you. then they will turn around and go to the owner of the auto you were driving and try to recoupe their money. so either pay it out of pocket or file and let your friend get hounded by your insurance company.