Car Wreck/Insurance Question

F

Fievel121

2,500+ Posts
Okay, I took my friend to the airport in his car. Drove my car to work. Car hit in the parking lot. Whose insurance is responsible?

Obviously, we're close friends, and its only a minor fender bender.

What I'm wondering is if I have to pay the deductable on my insurance? I have full insurance. If I wreck my car I have a $500 deductable. If someone without insurance hits me its a $250 deductable. And of course if I hit another car there is no deductable to repair their vehicle.

So which would this qualify?
 
I'm confused..which car was hit? His car at the airport or your car you drove to work.?
So it was a hit and run?
 
Ooopps I'm sorry. I drove his car to my work where it was hit.

Anyway, we solved the problem. He's going to claim it on his insurance as an uninsursed motorist and I'lll pay the $250 deductable.
 
The jack off in the parking lot who hit the car should be paying. Do you not have cameras at work to determine the hitter?
 
^^^^No. And I'm not 100% sure it was in my work parking lot anyway. I had the car all day, the hit was on the passanger side. I stopped at a couple of stores on the way home. So it could have easily happened there.

I was kinda miffed about my insurance not paying it though. I mean if I wrecked my truck into his car they would have paid for it. But oh well.
 
YOUR insurance pays for any damage caused to YOUR car or any damage caused by YOU. Since it isn't your acr and the damage wasn't caused by you, your insurance company has no legal obligation to pay. Insurance companies have no morals, so they only give lip service to the LAW.

You may very well feel a moral obligation (I would too), but you have no legal one. The accident (if it even was an accident) was in no way your fault unless your driving or, maybe, your parking caused the damage.

A really irate friend might accuse you a failing to safeguard his car, but that isn't a driving issue. If it were more than a moral obligation, then it would be a business deal and that wouldn't be covered either.
 
Nick -- Yeah, I totally understand the insurance company's reasoning. I guess I just fall back on that old "If I borrow something and I break it I pay for it thing."

And, although I get the legal reasoning, it just seems weird that if I rammed his car into a light pole my insurance will cover 100%. If I step out of the car and walk two feet, his car is no longer my resposibilty what-so-ever.

Anyway, we've been friends for about 20 years, so this isn't going to affect anything. It's just $250 I won't be spending on beer the next couple of months...
 
That's why I never borrow a boat. They're rarely insured for **** and you could easily run into some submerged something or other and it isn't anything you did wrong, but morally I feel like I have to pay for it even though I might not have to legally. That's why I always say if you borrow something, you better be prepared to buy it.
 
You must log in or register to reply here.

Recent Threads

Prediction Results Threads

2024 Schedules

Back
Top