whose liability for the loss of an accident?

Question

This is a car accident. My husband was doing his friend's favior, he drove the car back to his friend' house. On the way he stepped on the wrong botton then he crushed onto a car which was parking in front of him, the right side of the driver side. The door on the driver's right side was damaged. The driver asked my husband if he was ok, then he called the police and ambulance. He was helped into the ambulance later. But there was nothing about blood. (I hope and pray he is fine.) Now my questions are, is the car owner's insurance going to cover the loss of this accident or my husband's car insurance? Or both insurance companies have no liabilities? Will my husband be responsible for the loss of that driver ? Thank you very much.

Answer 1

Your husband was at fault. Since he was driving with the permission of the owner of the vehicle, he is covered under their insurance policy, and they will pay for damage to the car he hit. Unless there is collision coverage, it will not cover the damages to the car he was driving. Any medical expenses will also be covered by the friend's policy.

Answer 2

In an accident there is a cause. The person that is listed on the accident report as driver number one is the person that is at fault. the person that was parking was in front of the vehicle that your husband was driving so your husband was at fault. His insurance is the one that is going to have to pay. It sounds like the person that he hit is going to take it for all it is worth since an ambulance was called. Hope that you have good insurance.

Answer 3

Its to hard to guess at this point, but contact your insurance and give a full accounting of your side of the accident. If the owner of the cars insurance refuses to cover the damanges yours might have and at least you will have alerted them.

Good luck with this, its never easy!