Auto Insurance Claims/auto claim

Advertisement

Expert: - 7/16/2011


Question
My daughter had friends over and we had several cars in the driveway. They had to move a couple cars to let a friend leave, my daughter was moving a friends car and anotheer girl was moving a different friends car, the other girl backed into my daughter "neither girl was in a car owned by them" who is the responsible party?

Answer
The coverage follows the vehicle.  So the claims should be reported to the insurers for both cars.  As long as each driver had the permission of the owner of each vehicle to operate each vehicle, both insurance policies will provide coverage.  Then the insurers will investigate the facts to determine who was negligent and that policy will pay for the damages to the other car.  The negligent policy will also cover their own damages assuming their is Collision coverage.  If either policy denies coverage for non-permissive use, then you would report the claim to the insurance policy for the driver, which would step in as excess coverage.

Auto Insurance Claims

All Answers

Answers by Expert:

Ask Experts

Volunteer

Claims Guy

Expertise

I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer......I can answer questions related to any aspect of Automobile insurance claims and coverages. I can provide an inside look at how insurers operate. I always treat my customers fairly and want to help make sure you are treated fairly. However, please keep in mind that being treated fairly according to the law does not guarantee that you will get what you want. I can also answer some questions regarding Homeowner's and other types of insurance claims. I have handled all types of auto insurance claims and coverages. I am NOT an automotive repair expert but can give advice re how insurers handle complex repair issues. Please keep in mind that every state has its own set of laws pertaining to rules of the road, liability, and insurance. No one is an expert on every state. I am most familiar with laws in Maryland, DC, West Virginia, and Virginia, but will attempt to answer questions for other states. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Experience

I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Organizations
CPCU Society. Adjusters license in multiple states. International Association of Specal Investigators

Education/Credentials
I have a B.S. in Finance and have completed the AIC and CPCU designations.

©2012 About.com, a part of The New York Times Company. All rights reserved.