Fender bender - Lapsed insurance on friends truck - but I have insurance on my truck.?
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I have had a car on "loan" (perminent) at the house, I needed to use it to get to work, as a situation arose where I could not use my truck.
1.5 miles from home, I rear ended the person infront of me, (foot slipped from break) at a yield sign.
I was going 5 mph. The vehicle I was driving was a 80's light truck - the grille and head lamps got smooshed. Driver #2 was driving a big huge suburban.
pulled over, police came, report was written - it was discovered the insurance was lapsed on my friends truck. CRUD!
I let the officer and the driver know that I would be happy to take care of anything that need to be done, so, all was OK.
Driver #2 , The officer and I saw no visable damage to her SUV.
I said, have it checked out, and let me know.
I get a phone call from Driver #2 - with a 750.00 estimate on her bumper. Remember no visable damage.
What should I do from here, I have Insurance on my Vehicle, but what if this estimate is for esthetics? Shouldnt her insurance contact me?
Fender bender - Lapsed insurance on friends truck - but I have insurance on my truck.?You have a choice - settle with the woman directly for the $750.00 or turn it into your insurance company and see if they will pay.
In general - insurance follows the car. If the car did not have a policy but you did - then your policy may come in on an excess basis. (this is subject to the provisions of the policy of course).
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