How to Deal with Collisions and Accidents when You’re Not the One Driving Your Car
You got news that your car had been involved in an accident. The problem is, someone else was driving it. Your friend or relative had probably borrowed your car just for a day. Unfortunately, your car had been badly damaged. Not only that, the driver was also injured and had to be hospitalized. The questions now would be what to do next and whether your car insurance company will be paying for the damages or not. Here are some things you can do:
Review your insurance policies for the fine prints and special conditions.
The simplest way to find out if you can claim from your car insurance company is to read your policy. Find that subsection that deals with personal injury coverage. Does this specify coverage for you and anyone else driving or riding in your car? If this were the case, you should be covered. Take note of that subsection when preparing for your claim. In some insurance policies, your case is more specified. These policies cover uninsured or underinsured motorists. Even if the one who drove your car is uninsured or underinsured, he or she is still covered by your policy.
Ask for the insurance policy of the one driving your car.
Anyone who drives should have an insurance policy. Still, it is possible that the one who drove your car does not have insurance or has a policy that could not cover all damages. Your insurance policy should cover the damages brought upon your car and even on the driver, as stated by the section on uninsured or uninsured motorists. If you happen to have no car insurance, the driver’s insurance policy should cover all damages. At any case, it is still good to know all available insurance policies that you and the driver can draw from.
Check if the one driving your car is at fault before making any claim.
Whether your designated driver was at fault or not will tell you if you can file for a claim or be reimbursed for your deductible. If the one driving your car is at fault and uninsured, your insurance will be responsible for the damages. If, however, the other party to the collision is responsible, you may get a reimbursement: the other party’s car insurance should pay for the damages. Underinsured motorist coverage will pay for your damages if the other party turns out to be underinsured or uninsured.
Negotiate for amicable settlement.
while you should be firm about getting a fair amount through your coverage claim, you should also try to make things purely amicable. This way, you still maintain a good relationship with your car insurance company. Of course, the company must be completely fair with you.
Sometimes, it can be very difficult to trust your property to someone else. That is why it is best if you have a car insurance policy that covers collisions when someone else, who happens to be at fault, is driving your car. Although you should think positive, in the world of car insurance, it is best to expect the worst.
Photo Credit : k4cay
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