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Accident (need advice)

Old 04-Dec-2007, 09:12 PM
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Exclamation Accident (need advice)

What happens if you get rear ended driving someone else's car (under my mom's name), and I'm not in the list of drivers, will they cover it? I live in a different city than her and I was just borrowing the car since I came home for a while. so I guess there won't be any problem, or there will be? they'de asked her if anyone else will be driving the car when she was getting insurance and she said only herself.
I have a police report showing the other guy at fault, so I guess her insurance company wouldn't really care since the hitters insurance company would have to pay up. The company is statefarm. damage is quite significant, the hitter was an 07 chevy silverado.
Thanks, I'm kinda blacking out, off to the hospital..
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Old 04-Dec-2007, 09:51 PM
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thats actually a good question, the insurance could easily say that if your mom would follow the rules, wouldnt let you drive the car, you wouldnt be at that place at that time when the silverado rear ended you, you could've avoided an accident... i had a similar situation, i was like you, only i was at fault, and i'm very lucky the insurance company didnt kick us out
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Old 04-Dec-2007, 09:57 PM
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your moms insurance will pay not his
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Old 04-Dec-2007, 10:24 PM
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damn, that sucks, very weak
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Old 05-Dec-2007, 01:31 AM
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You should be covered as long as you can prove that you didn't live with your mother at the time of the accident ie drivers license showing different address. They will not fully cover you if you are a licensed driver living in the same residence and did not inform insurance company before. If this is true they will cover you as an uninsured driver, which means you'll pay full deducatable and premiums might go up. Check with them first, you might catch a break.
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Old 05-Dec-2007, 09:14 AM
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The car is insured, so anyone with a valid license can drive it. It is almost like renting a car. The fact that it was your mother's vehicle shouldn't be that big of a deal as long as you don't live in the same household, and you were borrowing her car for certain task. And of course, she agreed to let you use the vehicle.

If my statement is incorrect, please correct me.
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Old 05-Dec-2007, 12:00 PM
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thanks, my address is completely different than her, she's in Toronto, I'm in Kitchener. So they would cover? will her premiums go up? the other party is 100% at fault, so I don't think her rate would increase? the guy says his buddy is a body shop and he can take care of it without going through insurance but I don't trust him, there's damage to almost everything back there.
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Old 05-Dec-2007, 02:01 PM
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You mother's premium should not increase, as the other party is 100% at fault. You have police report so I don't think the other party can get away with it. If you don't feel like trusting him/her, then go through with insurance. Afterall, it is your mother's vehicle, you don't want a bad repair job or anything of that nature.
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Old 05-Dec-2007, 02:20 PM
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yes just got back from the body shop, quote is 6200$ plus $600 for the rental car fee, the car itself is worth not more than 8000$ so the insurance might total it, I dont know, I haven't contacted the insurance yet. How much time do I have to report the accident to my insurance company? I heard its like 3 days or so?
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Old 05-Dec-2007, 04:01 PM
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I am not sure if there is a time limit on it; of course, provided you don't report the accident 6 months later. If it is a stock vehicle, with such comparison rate between black book value and repair fee, the insurance company may very well deem it as a total lost case.

I would suggest report it to insurance due to the severe damage. Get the car replaced, have yourself checked out (because if you settle it outside, who is going to pay for your chiropractor visits if you get a sore neck after?) and go from there.

It is a shame that a vehicle in good condition (I am assuming) went to waste and you may not find another reliable vehicle for the replacement value.
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Old 05-Dec-2007, 04:04 PM
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I don't think there is a time limit with the insurance, as long as you have the police report, but I would call them soon. I would also go to the clinic or your family doctor right away and get checked, just in case later on, you have problems and you have it on record that you went.

That's what I did when I had my accident in the summer.
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Old 05-Dec-2007, 06:13 PM
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premiums wont go up if ur not at fault ... did u hit ne one in front of u? and were u at a stand still wen u got hit or were u moving? 3 weeks ago i got rear ended ... i hit someone in front of me because of the impact but luckly the person left cuz there was no dmg ... insurance comp told me if they had stayed i would be at 50% fault for the car in front and the guy that hit me would be at 50% fault ... also since i was not moving i was 100% NOT at fault. however if i had been moving, i would have been some % at fault. so as long as ur 100% NOT at fault u'll be fine and from what ive told u and ur not 100% at fault then go thru insurance they'll pay for everything might as well and premium wont go up ... they'll pay for dmg or write off and for ne health issues or rentals so eat up as much as u can because we throw so much money into insurance and never use it. wen we do use it might as well abuse it lol

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Old 05-Dec-2007, 08:26 PM
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I was completely stopped, but I just notices the dumbass cop that did the report has put my speed 25 and his speed 45 km/hr! I actually told him that I was fully stopped when hit. is this going to be problematic
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Old 06-Dec-2007, 09:14 AM
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Go to the centre and speak to the office ASAP and rectify this report.
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Old 06-Dec-2007, 10:20 AM
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Originally Posted by 7thgen View Post
I was completely stopped, but I just notices the dumbass cop that did the report has put my speed 25 and his speed 45 km/hr! I actually told him that I was fully stopped when hit. is this going to be problematic
go get it fixed asap ... if u do it thru insurance and they see that u were moving ur going to get screwed...
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Old 07-Dec-2007, 02:09 AM
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i would suggest going to the accident collision part of the police station to get this straightened out, little things like this can screw you over.
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