Who’s responsibility to repair car if it only carries liability insurance?
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UPDATED: May 18, 2012
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Insurance Question from Seattle, WA
Asked on 05/18/2012
Who’s responsibility to repair car if it only carries liability insurance? A driver is given permission to drive someone's car, and that car only carries liability insurance, and the driver loses control of car on ice and dents the quarter panel, is it not the responsibility of the owner to deal/pay for the dent out of pocket since they did not carry comprehensive insurance on the vehicle, and they took the risk by letting someone else drive it?
Answer given on May 18, 2012
If your car was in an accident and you did not have collision coverage, then there is no insurance coverage for the damage to your car. This is the case even if someone borrowed your car and they were the one to damage the car.There are ways to get the car fixed. You can ask the driver of the car to pay for the damages. If they refuse, you can go to small claims court to try to get a settlement, but that does not guarantee that the driver will pay you.If the driver has his own insurance, you could try to file a claim with his insurance claiming property damage caused by him. It is a long shot, and the insurance company for the driver could deny the claim.You mentioned not having comprehensive coverage, but comprehensive is the losses such as fire, theft, vandalism or glass breakage. It would not be the coverage for any collision damage to your car.
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