Not insured driver, driving on my insurance

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 18, 2012

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Insurance Question from Aurora, CO

Asked on 04/18/2012

Not insured driver, driving on my insurance My friend was driving my vichele while passing the DMV driving test, when she was parking she hits the car parked on a lot. The owner of the vichele agreed on money (cash) instead of claiming it to insurance. We signed a paper, saying that owner would not have any other compensation. After that, owner of the vichele is claiming to insurance company. What can we do?

Answer given on April 23, 2012

It is never in your best interests to try to settle an auto claim on your own because what is originally agreed upon may not end up how both parties finally settle the claim. In your case, where you agreed to pay for the damages and the other party then decided to go to their insurance company, is a perfect example of how things can go wrong. I presume that the other person’s car insurance company has contacted you for reimbursement for the amount they paid to repair the car.If you have a copy of the letter saying nothing more would be sought, and if you have proof that you paid for the repairs to the other person’s car, you may be able to convince their insurance company that you have already compensated them for the repairs. This could work for you, but the insurance company could still say they had to pay for the repairs and that they want reimbursement. In that case, you should contact your insurance company to see if they will work on your behalf. They could refuse, since you have already tried to settle, but it could work for you.

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