Can an Insurance Co. sue me for crashing my friends boat when he gave me permission to drive the boat?

Question

Can an Insurance Co. sue me for crashing my friends boat when he gave me permission to drive the boat?

Answer 1

Of course they can. But it should have never went this far in the first place. You should have had the character to step up to the plate and pay for the damages (or buy a new boat) for your friend without the insurance company becoming involved.

When your friend gave you permission to use his/her boat, he/she placed trust in you. You did not honor that trust. Instead, you tried to get out of responsibility by not paying the debt.  I think you should be ashamed of yourself and if you lose a friend over this, you have lost more than if you paid for the damages you caused in the first place.

Where is your soul? Where is your conscious? I certainly would not want you as a friend or even an acquaintence.

Answer 2

Yep.

Answer 3

Absolutely.

If his insurance company pays out for the claim, they have full rights to go after the at fault party - which is you - regardless of permission.

And, they'll win, and garnish your wages, if you can't write the checks.  

Answer 4

Sure...that falls under the 'you break it you buy it' clause...

Answer 5

It is not easy to answer your question in one words,you would better find it out here yourself.

http://insurance.freetipz.info/insurance...

Answer 6

no/ you might counter with your own lawyer and win a major settlement if they take it any further

Answer 7

Yes they can. Permission does not absolve you of fault. If you caused damage to his boat and they had to pay to repair it, they are going to look to you for reimbursement.  

Answer 8

Yes they can.  It is called subrogation.  They go after the party at fault.  An insurance company will attmept to collect as much money as possible to try to limit their losses when someone other than their insured is at fault.  In this case it would be you.

This is how insurance works.  

For example:  Your car was parked and unoccupied.  Someone crashes into your car and causes a total loss of your car.  Your insurance company would pay you for your loss (if you have the coverage on your policy) and they would go after the other party or insurance company that is at fault. They would try to recover the funds of the loss and you would get your deductible back if they were able to recover funds.

They can do this in a few ways if you don't have insurance: #1 garnish your wages #2 use something you own for collateral