Insurance interview my friend borrowed my sports car next to out consent and get into an chance?
I'll make a long story short I be sleeping my friend took my car fell asleep at the tiller and hit 2 parked cars left the scene to carry me by the time we got put money on the car be towed. My friends been going down the police station to procure the police report amended as him as the driver but he hasn't caught the officer yet. Meanwhile I ring my insurance and tell them the story, they describe me if i say my friend took the saloon w/o my permission next my insurance will deny the claim from the 2 other cars insurance and they will sue me personally ( I haven't given my record testimony nonetheless but I'm sure my original phone bid was recorded). He still requests to go to the police station to amend the report he go already 4x but was unsuccessful because the officer be not there. Is in attendance anything I can say or do at this point to mitigate this almost already uncontrolled situation. What should I do from this point on? The accident happen in NYC and I enjoy Gieco any help would be appreciated
If you have be looking for some great ideas, Here is the place you should hold a look.http://car-insurance.online-tips.info/ca... Ooch, Geico. Cheap rates, but no customer support.
So basically your friend stole your motor, totaled it, and get it towed. Nice friend. =)
What you involve to do is tell your insurance company that you did tender your friend permisison to drive your car.
As a permissed driver, he will be covered beneath your insurance.
HOWEVER, since you were not the driver, your insurance will not move about up in price! They might non-renew you at your subsequent 6 month cycle.
You friend will thusly be covered under your insurance, but will obverse all the negitive grades on his insurance for the next 6 years(atleast ti's 6 years surrounded by CA and TX, I'm not sure about NY).
Still try to make conversation to the officer.
Be sure to get it reported underneath your friend's name.
Feel humiliated lying to the Ins Co? Just think approaching this:
Has your friend every borrowed your car?
Have you have any reservations about lend your car to this friend?
If he's borrowed it earlier without reservation from you, after he can reasonably assume that he can borrow it for any sensible errend in the adjectives, such as driving from your place to his place.
I enjoy been contained by a similar situation.
In my case, the insurance agent vitally directed us to state that there be an open consent for him to use the vehicle. You just weren't aware at that moment he be using it.
In my case the driver even have a suspended license, but insurance still covered. (State Farm ins.)
Good Luck
Answers: Either he stole it,or he have permission.
Unless you file theft charges against him and reported the saloon as stolen, he legally be driving with "average permission of use".
If you didn't folder theft charges and report the sports car as stolen, your insurance shoud pay. You give permission. If the coup¨¦ was anyone operated as stolen, THAT is when your insurance company can deny the claim, HOWEVER, afterwards you can't be held liable for the damage!
Bottom splash - I think the individual you talked to told you wrong.
But if you didn't report the coup¨¦ as stolen, and don't want to prosecute your friend for auto theft charges, he DID enjoy implied permission to use the sports car. Now, your company might still be able to deny the claim, if he lives next to you and isn't listed on your policy. But if he doesn't live near you, and doesn't have regular access to the saloon, it shouldn't be a problem
Your REAL problem is you have no agent to recommend you. You're your own agent, with Geico. Good luck.