Title: My Friend Borrowed My Car and Wrecked It—Am I in Trouble?
Last week, my friend Toonces borrowed my car and ended up in a serious accident. (It wasn’t his fault, but that’s beside the point.) Sadly, my ‘87 Buick LeSabre is likely totaled, and I expect there will be some hefty medical bills for all three occupants involved. There was a cliff, so you can imagine how serious it was.
I spoke with the insurance adjuster today, and I’m feeling worried. Even though I’m carrying the state-required insurance limits, my claim is being denied because the adjuster mentioned that Toonces should have been listed on my policy since he lives with me. I tried to explain that he’s not on my lease and literally never drives my car—he just enjoys hanging out by my kitchen’s sliding door.
So my questions are: Do I need to include him on my policy? If I accidentally forgot to list him (my mistake), could I claim the car as stolen since he didn’t exactly ask for my permission? He just shouted “beer run” and grabbed my keys!
I’m not trying to be unreasonable here. I pay my insurance faithfully each month and have only made three claims in the past two years. All I really want is a new car—preferably from 2020 or later, and something foreign would be a bonus.
Also, do you think this situation will impact my insurance rates?
Location: Michigan
It sounds like you’re in a really tough situation, and it’s understandable to be frustrated. In Michigan, if someone lives with you, they’re generally considered a “permissive user” of your vehicle, and your insurance policy typically requires you to list anyone who lives with you and might drive your car. Even if your friend seldom drives your car, that could contribute to why your claim is being denied.
As for your question about reporting the car as stolen, that could be risky. Insurance companies usually frown upon claims that might be seen as fraudulent, and trying to claim that your car was stolen when your friend borrowed it could lead to severe consequences, including potential legal issues.
Regarding your rates, it’s likely that this incident could lead to higher premiums, especially since your insurance has been involved in a claim. Generally, when you have claims, especially those that result in parties being injured, it can lead to increased rates, but the specific impact would depend on your insurance provider’s policies.
Your best bet might be to consult directly with an insurance agent or legal expert who can give you tailored advice based on your specific situation. They might help you understand your rights and options in this scenario. Good luck, and I hope you’re able to resolve this situation soon!