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Please help me, got into a car accident?

I don't have insurance and was driving a friend's car and we got in a car accident. Help, please?

  • We were driving long hours and my friends was getting tired, it's late night, we're on the mountain highway so we didn't want to stop on the mountain alone. I took over the wheel to drive, but I have no insurance. We hit a curve and slam into the mountain side rocks. The car was severely damaged and not drivable. No one is injured but we had minor bruises. My friend has full-coverage on insurance, but I don't and I was driving the car. We're outside of our home state and she's with Farmer Insurance. Will her insurance cover for the damage or will I have to pay for it since I was the driver? We went to get physical check up and x-rays were taken, and the form asked for the driver's insurance, but I don't have insurance. How will this work? I really need guidance. Please help, we are very worried. Thanks.

  • Answer:

    Need more details. What state is the insurance is from, and where did the accident happen.

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Your friend's insurance should cover the car damage...permissive use of the vehicle.

gatorgrad99_99

Auto insurance is on the vehicle, not the driver. Since your friend has full coverage and you had her permission to drive the vehicle you're fully covered. Not to worry!

Bostonian In MO

If she gave you permission to drive her vehicle you should be covered so don't panic. No drugs or alcohol involvement I hope, that's an automatic breach. Just be truthful with the insurance company and you will be taken care of if you weren't doing anything wrong. Glad you guys are ok. Contact me if you need more help...you're friendly insurance adjuster.

patti duke

Insurance follows cars, not people, so your friend's insurance will cover this. You were obviously driving with her permission, so you're covered as an insured. She needs to report this to them, and they can explain her coverage limits, and what she should do about her medical bills. Don't worry.

Chris

It's your friend's car. Doesn't the car have insurance? As long as your friend gave you permission to drive, it's covered. At least that's what my agent told me about my car. But, I am with State Farm. Like a good neighbor....state farm is there.

Lalana

Run.

jbc3d33

It depends on your friend's insurance coverage. It might be covered.

tonalc1

If the vehicle has full coverage on it, it will be covered. Full coverage is on the vehicle,, not the driver. If the car was stolen, of hit by hail, it would be covered too. You accually were not driving illegally, if the car had liability and full coverage on it also, as long as your license is good,, and the dammage would be covered even if you had a bad license, io believe.

RunningMan

Insurance follows the CAR, not the person. If her coverage was in force and you are not a named excluded driver everything will be OK.

CowboyBill

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