Wrecked girlfriends car. Im not on her insurance... now what?

Exactly what I'm thinking.

 

Try calling her insurance together. Explain the situation, I would think the car is covered unless she only has liability to where her car is not covered if she is at fault. But owing money on the vehicle that should not be the case.

 

Forgot to add, it would cover your truck similarly to the coverage I have on my own vehicles.

Got 5 cars covered, 3 being full coverage so it'd be full coverage unless your truck was salvage (just as an example).

 

What if it caught fire sitting in the driveway? That is a joke! DO NOT BURN IT or attempt to commit insurance fraud.

 

After all this is said and done I'd be shopping for different insurance companies that actually do what you pat them for.

 

She financing it, she has full coverage.
You have to in CA if you're financing.

 

Its not as mystical as you think. She needs to review her policy, and you need to review yours. You can't just assume you're covered because of X, Y, or Z; you're only insured for what you actually pay for each month. If you're not sure what you actually pay for each month, its time to reevaluate your auto policy. This may be a negative experience overall, but if you come out on the other side realizing that you might be overpaying for your policy (or lack of), you've climbed over another one of life's hurdles, and its just part of living. Mistakes aren't always cheap.

 

In the grand scheme of things this is nothing more than a frustration and inconvenience. Take a breath, do your homework and it will all work out.

 

Most simply put, don't keep calling each others' insurance trying to get new people to listen to your story and accept a different outcome. They're all paid to do the same job, and they all intend to find any reason they can to NOT cover a claim. If they say there's a legitimate reason to not cover the claim according to her/your policy, you need to be just as prepared with the policy in front of you to provide reasons that support why they should honor the claim. There's no use in calling to try again over and over until you have some evidence that your/her policy does cover it.

 

I just need to know what to look for on mine and hers as well.

 

This.

I have emphasized on this point way too many times whether it was a "cracked windshield" thread (I've posted in many of those on this section) or totaled threads.

If I ask you a question about your policy, and you can't answer it, you need to go back and read. Get shit in black and white if it isn't crystal clear to you.

I can tell you off the bat I'm covered if I total my vehicle in an off-road situation even; recovery is what I'm not covered for if a tow truck can't get to it. I'm covered for mods if said vehicle is totalled, as the mods would fall under my comprehensive and separate from collision. These are just examples of course...you need to know how well protected you are (or aren't).

 

It will be a lot of legal jargon. What is important is that you have a copy in front of you. It should not be hard to see what is states as covered and what is not but more importantly if they tell you it is not covered you can say "how did you come to this conclusion? Where does it define that in the policy". And then they can either show you or you can prove they are wrong. She should have a copy of the policy agreement in her email from when she got it or it was renewed. Or you can request they send it to you. Email is faster, typically this takes less than 10 min. I would leave out the part where it happened at the end of the driveway. She can say, my lover was operating my car when he slide off the road and headbutted a ditch rendering my car inoperable. I now must rely on you to return it to being whole and functional. Something along those lines. If you got a police report I am sure they will want to know what that is. If you did not I am sure they will be suspicious as to why you didn't. Like I said before. This is probably a large part of your problem. Most people do not do that type of damage in a driveway, much less there own driveway. I slide off the road in the rain is not a great story for that damage at the end of a driveway so you might have to revise that also. I do not think the part of you sliding off the road is the issue. It is more the rate of speed you were traveling in said scenario that is difficult to wrap ones head around. When entering my driveway I try to keep it under 35MPH.

 

I did find this on a lawyers website.

What Happens When Someone Drives Your Car and Is Not on Your Insurance?
Most auto insurance carriers allow policyholders to add other individuals to their policies, often spouses or other family members. It typically doesn’t matter whether your car’s driver is listed on your insurance coverage; your insurance follows your vehicle. Therefore, no matter who was driving at the time of the accident, your insurance policy will come into play if the driver of your vehicle caused or contributed to causing the accident.


I'll need to look over her policy tonight. It should be covered under collision coverage.

 

Paging TacomaWorld resident Insurance Expert @cromag27

Good Luck @Jerry311SD

 

"Her insurance told her no because no property damage and no bodily injury just the car."

This is not a valid reason to deny coverage under any circumstances. There is more to the reason. What does their denial letter actually say?

A lot of these replies are missing the point. Yes, you're allowed to give someone permission to drive your vehicle, and yes, unless they are specifically excluded from your policy OR they are engaging in acts specifically excluded from coverage OR something happens that is specifically excluded from coverage, then you are covered. This is not a permissive use question. There is something in the policy language specific to the circumstances of this particular loss that led them to deny coverage. Coverage denials are pretty rare, and are typically done with great care because the consequences for incorrectly denying coverage are severe.

 

lol
Thank you. Im doing homework on this, Im thinking the California is an at-fault state. That means that the driver found responsible for the collision will see their insurance tapped first is going to apply.
still researching.......

 

I've never heard of an claim being denied because of this. My brother was driving my car and at fault with a crash that totaled my car and another truck. Insurance covered everything, no questions asked. This isn't that uncommon.

 

That was verbal over the phone. So I need to find out what was said when i get home ( she was crying when she told me).

 

Yes, over the phone and then repeated to you while upset leaves a lot of room for misunderstanding/misinterpretation by her, and downstream, by you. Any denial must be in writing and cite the reason.

 

"I'm covered for mods if said vehicle is totalled, as the mods would fall under my comprehensive and separate from collision."

If you have coverage for mods beyond what is covered in the basic policy (most policies cover a little bit, like up to $1k or so), your mods are covered under an endorsement to the policy, which would apply to both comp and collision if you have such an endorsement. Comp vs. collision is a question of facts of loss, not covering mods done to a vehicle. You hit any object that's not a person or animal, it's collision. Another car hits you, it's collision if you go through your own insurance. Wind, water, fire, theft, impact with an animal/pedestrian, flood, vandalism...those are comp.