Car Accident Insurance Coverage

Summary

In Pennsylvania, if you drive someone elses car with permission and have an accident, the owners insurance usually covers damages. You might need to pay the deductible or costs not covered by insurance. Confirm coverage with the insurance company and discuss reimbursement with the owner.

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Eric
Hi Eric! How can I assist you with your legal issue today?
If I am driving someone else's car and I get into a minor accident with damages costing less than $*, do I have to pay that out of pocket or it is their insurance that covers it.
Hey Eric! In Pennsylvania, the car owner's insurance typically covers the damages if you have their permission to drive the car. However, it's always good to check the specific terms of their insurance policy.
Do you know if the car owner has comprehensive or collision coverage?
I don't know.
No worries, Eric! If the car owner has comprehensive or collision coverage, their insurance should generally cover the damages. It's best to ask the owner to contact their insurance company to confirm.
Do you need any help with the insurance claim process?
Can the owner of the car press charges on me?
Case Rating: *
Hey Eric! Typically, if you had permission to drive the car, the owner would not press criminal charges for the accident. However, they could potentially seek reimbursement for the deductible or damages not covered by insurance.
Do you need any help navigating the insurance claim process or dealing with the owner?
yes
Case Rating: *
In Pennsylvania, the car owner's insurance typically covers damages if you had permission to drive their car. However, the owner might ask you to pay for any deductible or damages not covered by insurance.
You should:
- Confirm the coverage with the car owner’s insurance company.
- Discuss reimbursement with the owner if they seek it.
Would you like any specific guidance on dealing with the insurance company or the car owner?
yes
Case Rating: *
Sure, here are a few steps to guide you:
- Contact the car owner's insurance company to confirm coverage.
- If the insurance covers the damages, ask about the deductible amount.
- Discuss with the car owner if they expect you to pay the deductible or any uncovered costs.
Is there anything specific you need help with in dealing with the insurance company or the car owner?