Car Accident / Insurance?
Posted on Mar 07, 2008 under Insurance Information |I had a car accident this morning In NJ, I was borrowing my roomates car but I only have a license and I'm not on her Insurance, the taxi driver is @ fault and he was given a summons, pls advise what can i do b/c people are telling me i'm screwed if i'm not on her insurance? can i call the insurance
coo.and add myself on today?? pls advise need help !!!!
My license is from florida not from NJ
thank you so much b/c I don't know what to do, they are telling me since i'm not on her insurance i might not be able to claim anything, plus to top it off she has liablity only with liberty mutual
So should I proceed and file the claim?
Thank You all for your advices, It has been very helpful the police report will be ready wednesday so i will call his insurance company to cover this problem.
March 7th, 2008 at 6:02 am
What you're hearing is completely false. The cabs insurance will pay for all damages regardless who was driving the car.
He hit the car, so he's fully responsible for the damages. If it would've been your fault, then you would've been screwed. But your friends insurance will have nothing to do with this accident , she just needs to contact the cabs insurance and they'll advise her were to go get estimates for her car to get repaired.
March 7th, 2008 at 6:02 am
Like the previous poster said, you will get compensation for the damages regardless of who was on the insurance. You really don't need to go through your friend's insurance company at all if the cab driver was found at fault. Their insurance company should pay for all damages.
March 7th, 2008 at 6:02 am
liberty mutual will more than likely cover this claim and then require your roomate to add you on her policy as a driver since you live in the same house. if you have a policy in your own name, then you probably wont have to be added to her policy, but if you dont they will want you added since you live there and have access to the car. YOU cannot add yourself to her policy, SHE has to do that. since the other driver was at fault, she should not have to report this to her company. the taxi driver needs to file this under HIS policy.
March 7th, 2008 at 6:02 am
I just got in a car accident and i had no insurance or license. They fixed my whole care. If he admitted to it you don't have to trade info unless a cop shows up and he ask for it. His insurance will fix everything. Don't worry. I was pooping bricks when it happened but everything turned out ok. You don't even need a police report really. The insurance determines the final outcome
Yes file the claim and get the car fixed. I was afraid too but am glad i did! got my car fixed and put in a rental
March 7th, 2008 at 6:02 am
As long as you were a permissive user, you and she are covered. If you are a regular user, your friend should contact Liberty and let them know. You might have to be listed, but often "regular use" is restricted to household members(defined as related, by blood, marriage or adoption).
Since you were not at fault for the accident, your friend should simply contact the cab's insurance company and file a claim. They will complete the investigation, arrange for an appraisal, and reimburse your friend for the damage. She is also entitled to a rental once the vehicle is in the shop being repaired.
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