Car Accident!! I was the passenger my friend was Driving my Car?

Question

I was driving with a friend early in the morning and I couldn't drive (drinking) so I handed him the keys which was the best thing to do considering. Now he falls asleep and gets into an accident. I do not blame him however because of course it's my car but at the same time I trusted that he was OK to drive but the whole incident is just an unlucky bad break.The police officer was VERY understand and let us slide with regards to giving either one of us a DUI. In addition, he helped us corroborate a story about how we just got cut off the road which was extremely kind of him to look out for us that way. My question is for insurance premium increase purposes, does it matter who I say was driving the car? I told my insurance that we got cut off but that I was driving, not my friend.

Answer 1

Filing auto accident insurance claims is quite tedious. But to get your compensation for the accident, it is a necessary procedure - so you might as well go about it in the fool-proof manner described here.Uncertainty finds an innate part in human life. Being human being, we are never aware of crisis caused by occurrence like accident<!--What we can do is to make ourself be prepared to face the worse in the way that it has minimum effect upon us.Accident Insurance is one such way helping us to act as comforting hand when we suffer from misfortunate happening of accident.Whether you are travelling a long way or just to your next market place, the probability to meet up with an accident remains same. Besides, car accident, air crashes and rail accidents have become news of everyday. You may get your answer in the below website.

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And, if you ever fall prey to such accident, having an insurance helps you alleviating the financial burden during such tragic moments. People who are still unaware of what Accident Insurance is, they can understand in simple term that by availing the insurance facility, you are paid a certain amount of money by insurance company as compensation-->Generally,the insurance covers mishaps like organ loss like hands, eyes and legs, death in air, rail and car accident. The principal sum paid to a family ranges from $25,000 to $1,00,000. But you are excluded from being paid the amount if accidents persists due to drunken driving and trying risky sports like bungee jumping, car racing, skiing, scuba diving, etc.

Answer 2

If you have a collision claim on your policy regardless of who was driving, your premiums will go up.

Answer 3

I don't condone lying to the insurance company about anything.

I'm not going to excuse the behavior and I'm not going to tell you how to work the system.

A police officer telling you to lie - is not helpful or kind -- he is a party to your insurance fraud (which happens to be a crime).

Answer 4

i think you will do ok... but chalk that up to experience.. if you were not drinking it would not have happined.. drink at home if you must and never loan anything to anyone

Answer 5

You should have just told the truth.  If the real truth comes out that you were drunk, they won't accept the fact that he was driving - they'll think you are now making excuses.

Good Luck.

P.S.  It would NOT matter who was driving.  An accident was an accident.