Won't his insurance cover it since he was driving?

If you filed a claim on your own policy, won't your insurance go up ?

 

:huh: WTF?? I was seriously in shock. That is absolutely horrible

 

Won't his insurance cover it since he was driving?

If you filed a claim on your own policy, won't your insurance go up ?

+1,000,000

 

Won't his insurance cover it since he was driving?

If you filed a claim on your own policy, won't your insurance go up ?

I agree

 

Insurance laws vary state to state, in California insurance follows the vehicle so your policy is primary. If you don't have full coverage then his policy goes into effect. It's a toss up if your insurance will go up, in all reality it shouldn't but many factors come into play and different companies have different policies, ultimately it's up to the underwriter. After this incident you will probably be asked to list your neighbor as a named non-insured if not do it anyways, it shows the insurance company that you are eliminating that risk.

 

Sorry to hear about your misfortune. The roads in Colorado Springs are among the worst I've ever seen in the States. The box of junk/stuff probably bounced out after the driver hit a pothole.

Mike

 

Wow... That's horrible! Let us know what happens.

I gave the keys to my Exige S to a co-worker last week. The worst thing that happened was that she got pulled over for speeding. (Apparently she knows how to use the car properly.) The cops let her go.

I trust her though. Her past/present cars include a Z06, Boxster S, EVO, M Coupe and 997 GT3.







.

 

Insurance laws vary state to state, in California insurance follows the vehicle so your policy is primary. If you don't have full coverage then his policy goes into effect. It's a toss up if your insurance will go up, in all reality it shouldn't but many factors come into play and different companies have different policies, ultimately it's up to the underwriter. After this incident you will probably be asked to list your neighbor as a named non-insured if not do it anyways, it shows the insurance company that you are eliminating that risk.

The insurance does follow the vehicle (my uncle is an insurance/personal injury lawyer here). But becasue I was not the one driving my rates wont go up...he said if they do he will assist me in righting the wrong... it still makes me sick...I remember loving going to the garage in the morning...

and I will try and post some pics after work..so later tonight

 

For me it would be a clean cut case of justifiable homicide...

:up:

Ok just kidding... mostly,

 

Ouch. That has to suck. At least the repairs arent down to you

 

UGH! I'm sorry to hear that your generosity was "rewarded" in this way

I'm weird. I won't drive other people's toys, especially my friends' (although I'll gladly drive demo cars ). Similarly I don't allow anyone to drive mine.

I'd imagine that from now on you may adopt a similar "policy".

 

Having ridden motorcycles for years, I find myself always imagining the improbables that could happen and trying to position myself better within traffic for reduced risk.

I'm not saying it could have been avoided. Well, okay I am saying that, but I'm not berating the neighbor. As soon as you anticipate one possibility and position yourself to avoid it, some other hazard you failed to anticipate can bite you in the ass just the same.

Sorry to hear your ass was bitten. Hope you can get somebody who takes pride in perfection to fix it back up for you.

xtn

 

you probably won't see the car for 6-8 weeks... at least.

 

Sorry to hear it! Not a good time of the year to be putting an Elise into a bodyshop (it's better to be out driving!), I hope you get it back soon!

 

I let other people drive my car, but only if I'm in the passenger seat. They are less apt to do something stupid. And, if something out of their control happens, it probably would have happened to me and I'll deal with it.

Oh, by the way. Tell your neighbor he is off my potential driver list!

 

Sorry to hear about this. It sounds very similar to the damage done to my car in December. Good news is the tires didn't hit a curb (I hope). Once the crash structure and clamshell have been replace, the car will be good as new.

 

Terrible!

I hope you get back on the road soon! :shift:

 

No one drives the Lotus but the owner. (Or the owner's wife/girlfriend)

Ever.

So sorry to hear about it.

 

Worst part is how long you will be away from it

 

Horrible news - that feeling has to be the worst.

I loaned out my 99 Vette to a co-worker to go to a church from a wedding reception to pick up a tripod they left and he took the long route - the route that included a winding road where he took out a light pole with the side of my car. In Louisiana - the insurance follows the car and thus I would have had to pay for it except he came up with the $6k to cover the damages...

Now the only drives that people get are with me in the passenger's seat.

Who was the box for? Might they be liable for the damages?

 

Won't his insurance cover it since he was driving?

If you filed a claim on your own policy, won't your insurance go up ?

A friend did the same thing to my S2000. Turns out he lied about having his own policy... he was piggybacking on his wife's policy on his (her) car. He wrecked my S2000 and paid for the deductible, but my policy went up $600+ per year for over 2 years, which he didn't pay for.

If your friend has insurance, make him pay with his policy. Don't even inform your insurer of the accident. You'll be sorry you did.

 

You lent your Elise to a neighbor, what are you thinking???!?!?!?

 

I wouldn't let anyone drive my Elise w/o me in it.. not that the car is any special but the fact that it's so different to drive. Just the fact that they have to drive over speed bumps and into driveways scares me.. they won't do slow in, slow outs most likely..

 

Worst part is how long you will be away from it

I agree-if your neighbour is a cool guy he will rent you a nice sports car for the next couple of months.

If he isn't- you can poison a few of his plants

 

No Good Deed Goes Unpunished.