Auto Insurance Claims/auto accident

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Expert: - 6/9/2010


Question
A friend of mine was in a accident that wasn't his fault.here the question.the owner of the other car told his insurance company that the driver was not permitted to drive his car. but the owner did not report the car stolen.his insurance company said they will not pay for damages.thank

Answer
Hi Larry,

This may depend on the state that you're in but to the best of my understanding, in order to claim non-permissive use, the vehicle owner must press charges against the person who took the vehicle. If the vehicle owner is not willing to press charges, then the insurance company can not deny coverage. If the insurance company continues to deny coverage then you may want to consult with an attorney.

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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