insurance?
Cassandra H asked:
if you do not call the poice in a minor fender bender and you later call your insurance company to file a claim because you find you have damage to your car what is the driver who you were in the accedent respocable. you both have full coverage insurance and live in michigan. the driver with no damage was barrowing the car from someone and they were not on the car’s policy.
if you do not call the poice in a minor fender bender and you later call your insurance company to file a claim because you find you have damage to your car what is the driver who you were in the accedent respocable. you both have full coverage insurance and live in michigan. the driver with no damage was barrowing the car from someone and they were not on the car’s policy.
January 23rd, 2010 at 9:05 am
If you call your insurer to make a claim and you claim that you were involved in an accident with another driver…they will start a process to try to determine liability.
Your insurer will try to determine who was at fault. If you were at fault…your insurer will pay to fix your car under your collision damage coverage.
If the other driver was at fault…you will make a claim against the other driver’s property damage (PD) liability policy. If the other driver was borrowing the car…the car owner’s policy will pay, unless the driver has their own policy, in which the driver’s policy will pay (even if they were driving a different car).
Which is why you should NEVER lend your car to somebody. If they hurt somebody or something….YOU still have to pay for it.
January 24th, 2010 at 12:57 am
Not enough information. The fault is determined by the circumstances of the accident – not the damage, not if police were notified, etc.
Whoever rearended the other guy is at fault. Whoever had the stop sign is at fault. Whoever had the red light is at fault. Whoever was driving the wrong way, down a one way street, is at fault.
After fault is determined, the insurance that covers the at fault car pays first; if they won’t pay for some reason, the insurance that covers the at fault driver pays next. If neither of them pay, then the owner of the not at fault vehicle has to sue the other owner and driver directly for damages.
January 24th, 2010 at 4:17 am
Well assuming that there is someway to determine responsiblity for the accident and you were considered not at fault the other persons insurance would pay out the claim assuming the person that borrowed the car was a “permissive use” driver or they had their own policy on another car. If they were not allowed to drive the car then you could claim it under your uninsured motorist coverage. If you have broad form collision and were deemed less than fifty percent at fault you would not have to pay your deductible under MI’s no fault law. You could also just ask your company to pay out and subbrogate against the other person’s insurance
January 25th, 2010 at 1:22 am
Michigan has some real unique “No-Fault” and “Mini-Tort” laws pertaining to vehicle damages and liability. You need advice from somebody with experience in handling MI claims. Sorry, but I don’t have any experience there. Just make sure you get advise from somebody experienced in MI. Any other advise is not going to apply. Good Luck.