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Expert: Charlie Barone - 4/2/2009


Question
I was rear ended while I was legally stopped at a red light.  The driver of the vehicle was a auto mechanic for a reputable car dealership and was road testing a customer's car when he rear ended me.  My question is who's insurance company is liable to pay for the damages?  Would it be the owner of the vehicle or the car dealership's insurance?  Both insurance companies have contacted me and I don't know how I should proceed.

Answer
I would file a claim with the insurance company that insures the dealership that employed the man who hit your car. I would also put the insurer of the vehicle on notice that you intend to file a claim with them in the event of difficulty with the liability carrier of the dealership.

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Charlie Barone

Expertise

For questions involving auto damage claims, collision repair, forensics, industry practices, we can help. We specialize in claims for loss of resale value (Diminished Value).

Experience

I have 30 years experience in the collision repair and body reconstruction field, both hands-on and from behind the desk. I hold a Master Certification from ASE in the Body and Paint category, as well as their certification in Estimating. I have authored over 120 feature and training articles for the largest trade journal devoted to the collision repair industry, and have given expert testimony in court dozens of times. Licensed physical damage appraiser in Pennsylvania and reciprocal states.

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