DUI (OVI) insurance QUESTONS!PLEASE HELP!?!?
My buddy let his friend drive home from a party because the friend demanded he was more sober than the other driver.At the time is was snowing.he let my other friend drive the car home and he spun out into a ditch.the driver (not the owner of the car) got a DUI and a failure to control.the question ...
My buddy let his friend drive home from a party because the friend demanded he was more sober than the other driver.At the time is was snowing.he let my other friend drive the car home and he spun out into a ditch.the driver (not the owner of the car) got a DUI and a failure to control.the question i have isnt really about court but the insurance company.he got his car fixed the other friend payed for the damage but refuses to pay the 500 dollar dudctable.Should the kid that drove the car into the ditch pay the deductable or the owner of the car?the insurance company is state farm if that helps.thank you
The insurance company will "subrogate" and go after the driver for the deductible. Actually, the insurance company will go after that driver for the FULL AMOUNT.
So no. The driver should NOT pay the owner the deductible directly – because otherwise, the he’ll end up paying it twice – once to the owner, and once to the insurance company.
It might take a while, but eventually, the owner will get refunded that $500 from the driver, but STATE FARM will chase it down for him.
If the driver paid for the damages, there is no deductible. For example, to fix the car was $2,500. If the owner files a claim, insurance pays $2,000 and the owner pays $500 for a total of $2,500. If the owner does not file a claim and the kid driving pays $2,500 for the damages, the end result is the same – the car got fixed and the owner is not out any money. Now, if the driver only paid $2,000, then yes, he needs to cover the last $500.
So, to answer this question, we need to know who paid what and how much the repairs were.