Auto Insurance Claims/auto insurance

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Expert: - 4/16/2009


Question
I drive a friend's car in MA occasionally and dented a car today.  Will she be liable?  I'm insured through progressive in AZ and I pay her insurance although the car is registered to her. There was minimal damage and no injuries.

Answer
Hi Suzanne,

Auto insurance follows the vehicle and not the driver. So it would be your friends insurance that would pay for the damage that you caused while driving her car. Be careful when talking to her insurance company. If they find out that the vehicle is available for your regular use and you are not listed on the policy, they may deny the claim.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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