posted on Mar, 15 2007 @ 11:24 PM
IANAL IANAIU (I am not an insurance underwriter) etc... etc...
I think that there are two different questions here.
Will insurance cover this TYPE of thing?
Will the insurance of the mother cover this event?
Yes, there is insurance that will cover this type of thing.
As mentioned earlier, this is collision insurance. If there is a loan/lease on the car, the finance operation will require collision insurance.
Collision insurance, from any insurance company, will cover an occasional driver. If you do not live at the address registered with the insurance
company, you should fall into this category. FWIW, a car thief would also fall into this category. ANY collision policy WILL cover this type of
Will the mother's policy cover this event. I do not think so.
I am willing to bet that, working with the theory that this car is covered by collision insurance, the deductible is at least $250. In this case the
insurance company will not cover the first $250 worth of damage. So if 'you' had torn the bumper off, as you pulled away from the bush, and the
total charge to repair the car was $1,170. In this example the insurance company would pay for the damage over $250. A total of $920. You can then
divide up the money however you want to view it. If you then say to yourself; " I will take $750 from the insurance company, put it together with
$250 from my pocket, to cover the deductible, and use that $1,000 to fix the bumper. That will leave $170, from the insurance company, and that money
will pay for the taillight." Using this view, the insurance company will pay for the taillight.
Personally, I have a $500 deductible on my collision policy. It would cost me ~$325 more a year to have a $250 deductible, last time I checked. And
I would not even begin to think about using insurance for