The best way to handle a car accident insurance claim against my policy?
December 2, 2013 7:02 PM Subscribe
Hopefully, this won't be an expensive lesson in car insurance practices, but I lent my car to a teenager... and she got into an accident.
posted by lostguy to Law & Government (8 answers total)
Naively.. I lent a car to a teenage in-law for a relatively short road trip, not really thinking about the insurance liability... but Murphy's law always seems to intervene -- and her friend on the trip drove a section and got into an accident. I'm not exactly sure what all the details were, but it seems there was minor damage all around, and thankfully no one was hurt. The police weren't called, and both parties drove away from the accident after exchanging some contact information.
This all happened in California -- so the other driver's insurance is coming after my insurance policy (after tracking down my address from my license plate). My question is: now that I'm in this situation, is there a best way to handle this?
Since there was no police report, it's basically a he-said, she-said claim.. and I want to protect myself as much as possible. The letter I received already has language in it that makes it sound like it was *my* fault (even though I wasn't in the car). Should I be worried about that even though the damage is minor? Or should I stay in full paranoid mode? Should I just trust my insurance agent to handle it appropriately?
Any advice is appreciated. Thanks, hivemind!