I was driving my g/f's car and we got into an accident, not my fault, and i guess i wasnt supposed to talk to

Question

the insurance people? she was yelling at me for telling them the truth, i was supposed to say i hardly drive the car, which is false and that i dont want to get involved and not to talk to the insurance people, even though i was the driver. Now she says her rates are going to sky rocket and such because im not the main driver of the car because i said i drive it 3-4 times a week, which is true, but its like going to the store down the street or something, but she said they dont car if its just down the street and such, so is this true? should i be in such trouble as i should for not knowing this or does everyone know this?

Answer 1

When my dad bought my car for me when I was 16, I was reported as the majority driver but not the only driver. Then my rates cooled off a bit as I got older and he bought another car for me. Again, partial driver, not sole. It matters.

Sometimes my friends let me drive their cars if need be. The reverse is true as well. I let my boyfriend drive my car for long trips and because it's very fast. I would never list him as a driver on my insurance because it's not habitual. In your case, however, it seems like you drive pretty regularly and this isn't a new thing. Your girlfriend should have declared you as a driver. Plain and simple.

But in the end, your feel-good honesty and her deceit are going to cost your girlfriend several hundreds of dollars this year

Answer 2

Her rates are going to skyrocket because she LIED, not because you told the truth.

You should have been listed on the policy from the time you started driving.   Anyone who drives the car regularly, needs to be listed.

Answer 3

Yeah, you should not have said that to the insurance people.  It puts your gf in a very tough spot.  Here she is being nice enough to let you borrow her car (even if for short trips) and you were obviously in the driver seat when the accident happened (regardless of who was at fault).   She shouldn't let you drive her car if she can't afford to take the risk of what you might say and do.  Since she did let you drive her car I hope you give her the same kind of devotion that she entrusted in you.

Answer 4

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Answer 5

Since you are a regular driver, you have to be named as an additional driver.  Obviously, your girlfriend knew about this, since she wanted you to lie.  Perhaps, you can offer to pay for the increase, if there is one.  

I hate to break the news to you, but her insurance company may deny coverage, and not pay for the damage to her vehicle.   You will have to file a third party claim, if in fact you were not at fault.