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Old 10-11-2012, 07:48 PM   #1
enayes
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Default My girlfriend just got in an accident with my car

My girlfriend just got in an accident with my car. It was her fault, and a cop was present. My insurance information was given to the cop. Do I have to report this claim through my insurance? Or should I try to settle it with the other driver? (he only had a busted headlight and a dent)

Just trying to figure out my options, if I have any.
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Old 10-11-2012, 07:54 PM   #2
undertaker21
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Default Re: My girlfriend just got in an accident with my car

If she's not on your insurance and you weren't present, you're ****ed.
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Old 10-11-2012, 07:55 PM   #3
enayes
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Default Re: My girlfriend just got in an accident with my car

As long as you gave the person permission to drive your car they are covered.
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Old 10-11-2012, 07:56 PM   #4
Meticode
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Default Re: My girlfriend just got in an accident with my car

I've never been in an accident, but my assumption is on how bad the damage is and the fact it's your girlfriends fault. You'll have to call up the other driver and just ask them basically, "Was the damage minimal enough to where you want to take care of this without the insurance agencies involved? Or something to that effect.
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Old 10-11-2012, 08:03 PM   #5
daily
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Default Re: My girlfriend just got in an accident with my car

Quote:
Originally Posted by enayes
My girlfriend just got in an accident with my car. It was her fault, and a cop was present. My insurance information was given to the cop. Do I have to report this claim through my insurance? Or should I try to settle it with the other driver? (he only had a busted headlight and a dent)

Just trying to figure out my options, if I have any.

Report the accident and try and work it out with the other driver. If your insurer never hears from them you're good to go.

I went through something similar, no real damage, the other driver ran into me and we agreed not to report, she gave me 200 bucks to cover the paint then called her insurer and reported I ran into her and drove away.. took some time to straighten out , she got into some trouble for false claims but you have to protect yourself. This is why you pay insurance, they are on your side. Now days you play this stuff straight up and by the book.
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Old 10-11-2012, 08:10 PM   #6
undertaker21
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Default Re: My girlfriend just got in an accident with my car

Quote:
Originally Posted by enayes
As long as you gave the person permission to drive your car they are covered.
Not with my insurance. Similar thing happened where my now ex gf damaged someone's car (her fault) with my car and my insurance told me tough luck. They were willing to pay for the damages but the out of pocket expenses I would've had to pay were outrageous and because of that I ended up just solving it with them and paying their mechanic to do the body work.
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Old 10-11-2012, 08:25 PM   #7
ihoopallday
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Default Re: My girlfriend just got in an accident with my car

Quote:
Originally Posted by enayes
My girlfriend just got in an accident with my car. It was her fault, and a cop was present. My insurance information was given to the cop. Do I have to report this claim through my insurance? Or should I try to settle it with the other driver? (he only had a busted headlight and a dent)

Just trying to figure out my options, if I have any.

That'd be my first option. Of course you'll be paying out of your pocket. But it's better than both your rates going up.
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Old 10-11-2012, 11:37 PM   #8
enayes
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Default Re: My girlfriend just got in an accident with my car

Went ahead and filed the claim. The guy she hit was a real jerk to her, so I'm sure he was going to file one anyway. Geico already called me and her to take statements. They are going to determine who was at fault, so if they say my girlfriend was 80% at fault they will pay 80% of the damage to the dude's car. I honestly don't want to pay out of pocket, as money is tight, so we'll see how it goes.

We do live together at the moment, but our "official" living addresses are still our parents' house, so as long as they don't find that out and say that she should have been listed under my insurance we should be good.
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Old 10-11-2012, 11:54 PM   #9
Myth
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Default Re: My girlfriend just got in an accident with my car

Quote:
Originally Posted by enayes
My girlfriend just got in an accident with my car. It was her fault, and a cop was present. My insurance information was given to the cop. Do I have to report this claim through my insurance? Or should I try to settle it with the other driver? (he only had a busted headlight and a dent)

Just trying to figure out my options, if I have any.

Until I saw the "he only had a busted headlight and dent" part, I thought it was a serious accident and you were just worried about your car insurance and not your girlfriend.
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Old 10-11-2012, 11:58 PM   #10
bagelred
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Default Re: My girlfriend just got in an accident with my car

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Originally Posted by undertaker21
If she's not on your insurance and you weren't present, you're ****ed.

Not true. You are typically allowed to loan your car to someone and it's covered. Otherwise, no one could borrow anyone's car ever.
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Old 10-12-2012, 12:00 AM   #11
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Default Re: My girlfriend just got in an accident with my car

break up with her
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Old 10-12-2012, 12:04 AM   #12
Myth
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Default Re: My girlfriend just got in an accident with my car

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Originally Posted by Pacers4ever
break up with her

0.5 seconds before you splooge in her face.
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Old 10-12-2012, 12:07 AM   #13
enayes
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Default Re: My girlfriend just got in an accident with my car

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Originally Posted by Myth
0.5 seconds before you splooge in her face.

I'm hoping she's a little more willing the next few days. Still looking to give my first facial.
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Old 10-12-2012, 12:13 AM   #14
Myth
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Default Re: My girlfriend just got in an accident with my car

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Originally Posted by enayes
I'm hoping she's a little more willing the next few days. Still looking to give my first facial.

If you are going to break up with her anyway, you don't need her permission.
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Old 10-12-2012, 12:39 AM   #15
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Default Re: My girlfriend just got in an accident with my car

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Originally Posted by enayes
I'm hoping she's a little more willing the next few days. Still looking to give my first facial.
She owes you that much, she fckin wrecked your car..
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