Car accident help
April 16, 2012 5:57 PM Subscribe
Oregon Car Insurance / Accident question: minor accident late last night, what do I do now. Details within.
posted by pseudonick to Travel & Transportation around Oregon (8 answers total) 1 user marked this as a favorite
Accident late last night in Oregon. My SO was driving my car. My SO is not named on my policy, my SO does have insurance on their own vehicle. Police came, accident report filed. I need to submit another accident related form to the Oregon DMV.
For the purposes of considering a worst case scenario, let us assume this was my SO's fault, though it may not have been. No fault was admitted at the scene.
No injuries of any kind for anyone involved. My passenger door got a dent, the other car suffered some bumper damage and scraped paint. Damage to the other car was ~2000.
I have pretty bare bones insurance coverage. I'm willing to live with a dented passenger door.
I believe my SO will be covered as a "permissive user" of my car and covered under my policy. Can anyone confirm?
I haven't yet contacted my insurance, I debated just paying out of pocket for their repairs, but that was when I thought the other car would require less work. I plan on contacting my insurance tonight and giving them all of the details. Is this a bad idea?
Once it's in the insurance companies hands they take the process forward from there right?
Any general advice on how to proceed? I've never had to handle anything like this before and I don't want to inadvertently do something very foolish.
So many thanks...