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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.

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thad_duir
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)
leadfill
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.
leadfill
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.
thad_duir
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.
leadfill
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).
thad_duir
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.