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Question about car insurance:

Is anyone familiar with the way car insurance works? Specifically, I let a friend of mine borrow my car and she scraped the side of it while parking. Would I be able to go through her insurance to have it repaired or am I doomed to having to use my own? I've tried researching, but all I can really find is stuff about the latter.
I'd rather have her insurance cover it and not let mine know anything at all.



Oct. 14th, 2009 08:55 pm (UTC)
Wiki has an answer.

The only thing I found that speaks to the driver's Insurance was that only things that your doesn't cover that hers would would be covered. most often if her policy reflects yours and is simmilar, your's would be the primary policy being used first and hers secondary if it had superior coverage to yours.

Edited at 2009-10-14 09:05 pm (UTC)
Oct. 14th, 2009 09:09 pm (UTC)
I wonder if, in a situation like this, my premium would increase as if I had gotten into an accident or what.
Oct. 14th, 2009 09:25 pm (UTC)
That sucks, but makes sense, I suppose. Luckily she hit an inanimate object (she was parking in a garage and scraped a cement support), so I wonder how that would affect one's insurance.
Oct. 14th, 2009 09:34 pm (UTC)
I would make the assumption that it would affect your insurance just as if you had done it yourself. You can always call her insurance and see though.
Oct. 14th, 2009 09:36 pm (UTC)
I meant, if I were to claim this on my own insurance, would hitting a column be as bad as if I had hit another car (like how if you hit a car, your insurance skyrockets).
Oct. 14th, 2009 10:16 pm (UTC)
I don't know pal. I have never claimed insurance. i usually just pay out of pocket to avoid the rate hike and the bother.
Oct. 14th, 2009 09:13 pm (UTC)
I'd comment but I think our two systems are different. If I was in the car when it happened it would be covered. If I wasn't in the car when it happened then it would be screwed.

From my limited understanding her insurance has nothing to do with it since it's car insurance. As in, you're insured on your car. She's insured on her car. I don't think her insurance would cover her in your car. I think you're screwed. Is it a bad scratch?


But what do I know. I'm just Canadian, eh?
Oct. 14th, 2009 09:14 pm (UTC)
Huh, just read the first sentence again and I guess I don't know how 2 right.

English Major ftl.
Oct. 14th, 2009 10:06 pm (UTC)
Your insurance travels with your car. I'm pretty sure her's will pick up whatever yours doesn't cover. I also think there is a certain amount of time that you have to put the claim in. Hasn't your car been like that for a year? I guess you could say it just happened...
Oct. 14th, 2009 10:08 pm (UTC)
I know that my insurance will cover it; I was just trying to avoid using mine at all for fear that my premium will increase. And yeah, it's been like that for almost exactly two years, but I was planning to tell them it just happened.
Oct. 15th, 2009 03:01 am (UTC)
It varies by state, but if you were in Texas, her insurance could pay for it. Just ask her for her insurance info and try, they will tell you if they wouldn't cover it.
Oct. 15th, 2009 04:04 pm (UTC)
how bad is the scrape? i did the whole passenger side of my friend's car a few months ago. i took it to a local autobody and they did what they called a brush touch up. it only took them a couple of hours and cost me just $150. you couldn't even tell that i did anything to the car. maybe look into getting that done? have your friend pay for it, of course, but it's cheap enough that neither one of you has to go through insurance.
Oct. 15th, 2009 04:14 pm (UTC)
that was me.
Oct. 15th, 2009 04:16 pm (UTC)
It's not totaled or anything, but they'll need to use one of those things to suck out a dent and then fix up the paint. I plan to take it to someone for an estimate either way.
Oct. 15th, 2009 10:33 pm (UTC)
just remember that any time you make a claim on insurance, your premium will likely rise, because you've "used" your insurance. most of the time, by the way, there's a deductible involved, and i'd imagine the cost of repairing a scrape/dent is less than that anyway, so you'd be better off just paying to have it done out of pocket.