QUESTION
At fault driver is a minor driving hers friends car how do I collect ?
Asked on Jul 19th, 2014 on Automobile Accidents - Ohio
More details to this question:
on information swapped owner of car was her dad and that he was the insurance holder also which was false the car belonged to her friend later found out. Letters and email were sent to at fault driver and her parent .
1 ANSWER
The primary insurance for the accident should be the insurance that covered the vehicle. So you should contact the owner of the vehicle and tell him to provide you with the insurance information so you can make a claim. The driver's insurance should also provide excess coverage, so you should contact the driver and/or driver's parents for their insurance information.
If the only damage was damage to your car, you should process the damage claim through your own insurance company, and let them deal with trying to recover the damage from the other insurance company(ies). If you also sustained personal injuries, medical bills, lost wages, etc., and are unable to obtain the other parties' insurance information, you will need to file a lawsuit against the driver and the owner in order to obtain a recovery.
Answered on Jul 21st, 2014 at 12:37 PM