Will I have to pay the deductible?

Question

I drove my father's car to work and parked it in the mall's parking lot. When I was leaving for home there was a scratch and a dent on the side of the car, someone had hit the car getting in or out of the spot next to where I parked and just left. I had a police report made that day, the report claimed it to be a hit and run on private property. My dad doesn't really care about it but I feel guilty and want to get it fixed for him. I just want to know if anyone thinks I'll have to pay a deductible because the car and insurance is under my father's name, I had driven the car to the location even though no one was driving it when the damage was made.

Answer 1

Perhaps it is best to do some homework of your confusing field before accepting others's suggestion.Here is a great start point.http://home-insurance.featured-resources...

Answer 2

well,  if your father has collision coverage.. regardless of who is at fault for an accident.. or if its a hit and run.. you always must pay your deductible.  So yes- you all will owe a deductible.

There may be a problem here however if you are not listed on your fathers policy. as a household resident you MUST be listed on the policy and they may deny the claim if you arent.

Answer 3

It depends on what US state you live in.

Answer 4

The deductible will apply since it was a hit and run, and their is nobody to subrogate against.

Answer 5

It would be way cheaper to just pay out of pocket. If you file a claim that will raise your dad's rates for years to come and he'll have to end up paying high rates every month.