Swapped cars + accident = insurance confusion?
July 8, 2013 6:18 AM Subscribe
I temporarily swapped cars with my parents. While my mother was driving it alone, another driver sideswiped her and damaged the vehicle. How does the insurance get handled? Obviously, the driver-at-fault's insurance should pay for the repairs. But do we contact my insurance company, my parent's insurance company, or only the other driver's insurance company?
posted by doomtop to Travel & Transportation (9 answers total) 1 user marked this as a favorite
The accident report states clearly that my vehicle was struck by the other driver and that the other driver struck my vehicle. So I don't think there should be any question about fault.
I don't have collision insurance on my car. My parents do have collision insurance on their car, and I believe their insurance should also cover them while driving someone else's vehicle. (I could be wrong about the last point.)
Do I need to contact my insurance company and provide them with the other driver's insurance information, so they can get them to cover the repairs? Or do we contact my parents' insurance company since my mother was driving at the time of the accident?
Or do we need to actually contact the other driver's insurance company directly and work with them on our own? I am not entirely confident with how that would work, and don't want to get short-changed, so I'm inclined to get one of our insurance companies involved to help with the process; however, I'm also concerned about one of our insurance policy rates going up if we get them involved (I'm not sure if that is an issue when you are not at-fault?)
Also, on the accident report it lists all of the drivers' and vehicles' registration information, but there is nothing about the insurance. I am not sure if my mother got the other driver's insurance because she only sent me the accident report. I'm afraid she may have assumed that the police would collect that information. If that's the case, do we need to contact the other driver to ask for their insurance information, or is that something one of our insurance companies can discover?