Alpo Posted September 12, 2019 Share Posted September 12, 2019 I borrow Hardpan's VW, and I break it. Does his insurance pay for repairs (it's his car) or does mine (since I was driving it)? Link to comment Share on other sites More sharing options...
Big Sage, SASS #49891 Life Posted September 12, 2019 Share Posted September 12, 2019 You are responsible.....not him. Link to comment Share on other sites More sharing options...
The Original Lumpy Gritz Posted September 12, 2019 Share Posted September 12, 2019 Car insurance doesn't cover breakdowns. OLG Link to comment Share on other sites More sharing options...
Alpo Posted September 12, 2019 Author Share Posted September 12, 2019 I did not say it broke down. I said I broke it. When one breaks a car it is normally because one has run it into something hard. A building, a tree, another car. Link to comment Share on other sites More sharing options...
The Original Lumpy Gritz Posted September 12, 2019 Share Posted September 12, 2019 Just now, Alpo said: I did not say it broke down. I said I broke it. When one breaks a car it is normally because one has run it into something hard. A building, a tree, another car. Most folks-call the a "crash" or "wreck". OLG Link to comment Share on other sites More sharing options...
Marshal Mo Hare, SASS #45984 Posted September 12, 2019 Share Posted September 12, 2019 My baby was at the dealer for some TLC. While their mechanic was driving it another driver hit it. I had to use my insurance. Link to comment Share on other sites More sharing options...
Cactus Jack Calder Posted September 12, 2019 Share Posted September 12, 2019 Marshal, I was hit by another driver who crossed the center line. To get the car repaired in a reasonable time frame I had to use my insurance, however, my Insurance Co sued for recover as the other driver was at fault. I finally got back my deductible minus legal fees for the Insurance Co Lawyer, (0.50/1.00). I believe the dealership should be sued by your Insurance Co. They have deep enough pockets to prevail over the dealership's corporate lawyers. If you sued personally you might spend more than you could recover. Of course you could claim emotional distress, etc. at the damage done to your "baby", where the Ins Co has no emotion only $$. CJ Link to comment Share on other sites More sharing options...
Red Gauntlet , SASS 60619 Posted September 12, 2019 Share Posted September 12, 2019 Don't confuse collision coverage with liability issues or liability insurance. If you carelessly run into a tree, the first question, assuming you both had collision coverage, is what collision coverage will apply? The usual answer: his. You always need to read the policies. Yours may apply, too; then there is a priority question, usually the owner's comes first. But then he or his carrier (after they pay) sue you. Does your liability coverage apply? Maybe not, many policies exclude from liability coverage property in your care, custody, or control. In other words, your liability coverage will protect you from liability to someone you hurt, or to the owner of the tree for damage to the tree, but often not to your liability for damage to the car you borrowed. That's my best memory at the moment. Link to comment Share on other sites More sharing options...
Michigan Slim Posted September 13, 2019 Share Posted September 13, 2019 Different situation altogether but when I got a speeding ticket with my buddies truck I had to get a statement from his agent that he had insurance Link to comment Share on other sites More sharing options...
Springfield Slim SASS #24733 Posted September 13, 2019 Share Posted September 13, 2019 Hardpan's insurance pays for it and then gets the money from your insurance company. Link to comment Share on other sites More sharing options...
J. Mark Flint #31954 LIFE Posted September 13, 2019 Share Posted September 13, 2019 Different states have different statutes about the priority of insurance coverage. For a completely boring read try this http://www.gallaghersharp.com/sites/default/files/Feb14_Rezie.pdf Link to comment Share on other sites More sharing options...
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