I backed into my friends car while driving my other friends car. The car I was driving is fine but the car I nailed has a fucked up door. It was in a tiny ass gravel parking lot at night and It sucks. How is the insurance going to work in this situation. Will the persons car I was driving have higher rates now? What should I do?

7/26/2006 9:29:19 PM

grow some testicles and pay it out of pocket

7/26/2006 9:32:40 PM

im broke

7/26/2006 9:33:43 PM

then you're fucked, its not your friend's inurances responsibility, its yours

7/26/2006 9:40:36 PM

why would someone else insurance go up for your fuck up - unless of course you have no insurance or are on someone else's policy

7/26/2006 9:42:20 PM

im on my dads insurance. So will his insurance cover my friends car?

7/26/2006 9:52:21 PM

yep, you were driving so it should be covered under your insurance.

7/26/2006 9:54:00 PM

word

7/26/2006 9:55:24 PM

oh, now this asshole is all happy once he found out it will affect daddy's money and not his. own up to it. the minimum you could do to be a man about it is tell your dad to pay out of pocket and you'll pay it back. don't make your dad's insurance go up just so you can get off for free. man up.

7/27/2006 8:49:40 AM

idk, my sister-in-law was driving my other brother's truck and some idoit was in the wrong lane and totaled the truck. The guy was driving a big van and apparently didn't have any damage and he drove away from the scene (before the cops showed up). My brother's insurance payed for the truck and not by sister-in-laws

7/27/2006 8:57:24 AM

Actually no,

In North Carolina, the owner of the car is responsible. It's so stupid. Though the POINTS go on your license, the owner of the car you were driving will have his insurance pay. His insurance should NOT GO UP because he didn't commit the accident. You however, will have an insurance hike.

The reason it works this way is that the vehicle is insured by "this insurer". Your insurance doesn't cover you in all cars you drive in unless that vehicle is uninsure or you specifically have that in your policy. Usually that's reserved for professional truck drivers, delivery drivers etc... and then work usually pays for that so you don't even know about it.

You don't have to believe me, just call up your insurance company and they'll explain how it works better than I can.

7/27/2006 9:01:06 AM

^lol

7/27/2006 9:21:01 AM

im pretty sure the car i was driving was insured in Nebraska so that kinda fucks it up.

7/27/2006 11:52:47 AM

Quote :

"grow some testicles and pay it out of pocket "

7/27/2006 3:09:04 PM

thats a great solution & all, but maybe you idiots missed the part where he said

Quote :

"i'm broke"

7/27/2006 3:52:17 PM

Raige is right.
Insurance follows the car. If the damages exceed the limits of the owner, the driver's insurance will cover the rest up to those limits.
You will get the points.

7/27/2006 8:32:44 PM

should have thought about it before your broke ass backed into another car

7/27/2006 11:25:00 PM

no shit

7/28/2006 11:30:05 AM

HAHA in 2001 I was up in ohio visiting family and friends. Drove my aunts car to OSU I got down to my buddies place and I was about to pull in his drive way and some kid and his parents hit me in teh front passenger. My aunts was fine but there 89 civic was messed up

7/28/2006 11:34:33 AM

pay out of pocket

7/28/2006 11:37:17 AM

sounds like your dads insurance will have to pay

7/28/2006 12:02:55 PM

Nope mine did. I dont need the parents money

7/28/2006 12:04:45 PM