If someone borrowed your car and totaled it coulld their insurance be responsible?

Question

I'm from Washington State, One of my friends was driving my car because I was to tired and he ended up totalling it (no other cars were involved). He has full coverage because he's financing his car but I don't have collision is there any way that his insurance could reinburce me for what he did to my car?

Answer 1

If someone totals your car HE IS RESPONSIBLE, period.

Now that we know that he's responsible for the damage caused,

the next question is: -will his insurance help him get out of hiss mess?-

A: -It depends on the kind of policy he has with his insurance-

but this isn't anything that concerns you and that's why I split the two things for you.

Let HIM inform his insurance and deal with it to fix HIS mess.

Your task here is to get the damages assessed by someone authorized, like a garage and present him with a BILL, then wait till he sorts it out.

Answer 2

No. The insurance follows the vehicle NOT the driver.

You would have to have purchased collision coverage for your own vehicle if you wanted it repaired from an accident. Just because your friend purchased that coverage for HIS vehicle, doesn't mean it will cover yours.

Sorry

Answer 3

If he have full coverage than yes, if not he needs to pay for it anyway not you.

Answer 4

I'm in florida, when something like this happens, the driver's insurance is secondary.  since you do not have collision on your policy his policy would kick in and cover your vehicle. i have worked several claims like this. he needs to file a claim under his insurance, so they can do a policy investigation to determine coverage.

Answer 5

you may not be able to be covered under your own policy, because your friend was not listed as a driver, you may have to sue your friend's insurance company to get resolution

Answer 6

Be ready for a big fight with the insurance company. They aren't going to come running to pay you. Good luck. When you are dealing with some one Else's insurance even if your right don.t mean c**p to them. They have a bunch of lawyers on the payroll that will fight you to the bitter end. This isn't a story book world like a lot of people think.

Answer 7

his insurance will be secondary to yours.  since you have only liability you still need to notify your company and then your friend needs to notify his company.  you MAY be able to get them to kick in since he was driving, I have seen it done, but don't hold your breath.

Answer 8

Who ever insures that car is who is responsible because they are allowing whomever to drive. It will be up to your insurance company to decide if his insurance company is the at fault.

Answer 9

Yes your friend is responsible for the damages so his insurance company is too. Like someone else mentioned his insurance is secondary so what you will have to do is file the claim with your company so they can deny your claim for No Coll coverage THEN file the claim with his company. Once they rule out YOUR insuance then they will end up finding your friend at fault and paying out on the claim. It is a LONG process but worth it if you want to get paid.

Answer 10

No, his insurance is for his car.  However, your friend caused the damage and is responsible for the damages.  You can go after your friend legally if you'd like, he just won't have insurance to pay for it for him.

Answer 11

The accident and damages are his fault so his insurance should pay for all of it. Hope his insurance covers him in any car he drives.

Answer 12

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