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Old 12-19-2012, 09:19 PM   #18
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We have State Farm and the other girl has All State.
Thank God it's not Progressive. Flo does to play
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Old 12-19-2012, 09:28 PM   #19
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We have State Farm and the other girl has All State.
Sorry to hear she has allstate...let me know if they give you the run around they gave me when I got rear ended by one of their clients. Im interested to hear just out of curiosity

Dont fall for their crap about claiming it on your insurance and just letting your insurance go after them....or the his insurance only covers a rental for 5 days so thats all were giving you crap either.....All state is run by the Devil I tell you.......

Anyways good luck, it shouldn't matter who was driving the vehicle as long as there was insurance on it......
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Old 12-19-2012, 09:29 PM   #20
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Here are the pics.

Name:  ImageUploadedByTapatalk1355970371.822027.jpg
Views: 1026
Size:  186.0 KBName:  ImageUploadedByTapatalk1355970313.065528.jpg
Views: 1027
Size:  195.4 KB
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Old 12-19-2012, 09:31 PM   #21
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I would say that's un-drivable with it rubbing the tire like that, they should have you in a rental now until its fixed.
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Old 12-19-2012, 09:33 PM   #22
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Does you mother know that you are lying to the insurance company about who is supposed to drive what. Not sure why you would assume more risk by paying for an insurance policy then giving them a way out of paying if they catch you. The other girl was at fault so her insurance will pay anyway .
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Old 12-19-2012, 09:35 PM   #23
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Glad your mom is ok.

Just give it to the insurance straight. Our 16yr daughter just got her license and we added her to our policy. The insurance said that they would put her on our 91 jetta diesel as the main driver since that would be the cheapest. They did it on their own we didn't have to ask, even though she is driving a Chevy Cruze.
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Old 12-19-2012, 09:40 PM   #24
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They somehow found out about it, so they are compelled to handle their end of it. It covers everyone's ass so no harm done, right?

I would call my insurance if it was something major but it's always been minor crap anyway I don't need their help.
True but mine was major so thats probably why both were involved
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Old 12-19-2012, 10:20 PM   #25
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just tell them the truth...lying always backfires in the end...especially when you're dealing with more than one girl, but that's another story
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Old 12-19-2012, 11:53 PM   #26
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Well she and I personally went to get the insurance at the beginning and they said it would be cheaper if we had it this way. That's what they said.

Hopefully everything gets cleared out soon.
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Old 12-20-2012, 12:05 AM   #27
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Well she and I personally went to get the insurance at the beginning and they said it would be cheaper if we had it this way. That's what they said.

Hopefully everything gets cleared out soon.
If your mom is an insured driver, she can drive anything...the driver is insured for liablilty and can drive anything...the car has the comprehensive and collision insurance...don't sweat it...

You only have to pick a car as your primary, so that's how they set the rates...
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Old 12-20-2012, 12:14 AM   #28
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If your mom is an insured driver, she can drive anything...the driver is insured for liablilty and can drive anything...the car has the comprehensive and collision insurance...don't sweat it...

You only have to pick a car as your primary, so that's how they set the rates...
Oh ok thanks. I'm just not sure how everything works so I'm just making sure I'm doing it right. My mom hasn't had an accident since she was in college (around 40 years ago) and she wasn't sure what to do either.
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Old 12-20-2012, 12:30 AM   #29
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Oh ok thanks. I'm just not sure how everything works so I'm just making sure I'm doing it right. My mom hasn't had an accident since she was in college (around 40 years ago) and she wasn't sure what to do either.
...Sounds like it wasn't her fault anyway...When I insured my kid, we picked the oldest heap in the fleet for him to be rated on, but it's ok if he drives any car in the household...Even when you buy a new car, you are automatically insured by your existing insurance company for a grace period without even notifiying them...good luck, again...
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Old 12-20-2012, 09:22 AM   #30
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I always understood that insurance is for the VEHICLE and not the person driving the CAR. However, the insurance will show the normal drivers of said vehicle. So, let's change the situation around a little bit, you let your friend use your car for a day, he got into an accident, your insurance should still cover it, since the coverage is for the vehicle and not the driver. I am no insurance agent and I could be totally wrong here, but I believe that is how it works. So, my advice is don't sweat it, tell them the truth, that your mother was driving and get the vehicle fixed, by the sound of it, it was not even your mothers fault, so most likely the other drivers insurance will cover repairs.
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Old 12-20-2012, 09:28 AM   #31
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just tell them the truth...lying always backfires in the end...especially when you're dealing with more than one girl, but that's another story
now that's funny.
Now back to the thread.
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Old 12-20-2012, 10:06 AM   #32
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Definitely want to tell the truth. When I had my wreck they recorded my official statement on tape.
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Old 12-20-2012, 10:31 AM   #33
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I always understood that insurance is for the VEHICLE and not the person driving the CAR. However, the insurance will show the normal drivers of said vehicle. So, let's change the situation around a little bit, you let your friend use your car for a day, he got into an accident, your insurance should still cover it, since the coverage is for the vehicle and not the driver. I am no insurance agent and I could be totally wrong here, but I believe that is how it works. So, my advice is don't sweat it, tell them the truth, that your mother was driving and get the vehicle fixed, by the sound of it, it was not even your mothers fault, so most likely the other drivers insurance will cover repairs.
This is true but the problem is that any claim affects the policy holders rates. So if your friend has an accident but no insurance of his own then you put a claim in and your rates go up (potentially). That is unless of course your friend is not found to be at fault. Then of course there are "no fault" states. Thats a whole nother ball game.

OP just tell them what happened.

Mom was driving my car. This dumb @$$ ran a stop sign and hit her. I'd like to take my car here for repair. Where do I go to get my rental car?
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Old 12-20-2012, 10:36 AM   #34
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1st of all, if the other person had insurance, it doesnt matter if a monkey was driving her car, the at fault girl needs to pay for the damage (if she is at fault).

But, it doesnt matter who the PRIMARY driver is, it only matters who is insured on the car.

If you mom is insured on the car, and listed as only driving one mile per year, then she got in a wreck in that one mile per year. As long as she is insured, its cool.

My old car, my dad was the primary (for lower insurance rates), even though I put 12k miles on it a year, and when I totaled it, Allstate didnt bat an eye and cut a check.
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