Accident in someone else's car

#1 2017-12-23 22:33:36
Artur

New member

Accident in someone else's car

Hi all!

Let me explain what happened.

I had an accident in my sisters car today (no one else was involved) I went into the ditch but the car is total write off. Police came in and obviously I'm being charged with driving with no insurance. That's not the point though.

My question is what to say at the insurance company so my sister won't have to pay increased premium and things like that? I don't care if it's going to be harsh on me just don't want my sis suffer more than already gone car..



All help will be massively appreciated.

Thanks!!!

#2 2018-07-31 13:11:16
emma52

New member

Registered:

2018-07-30

Posts: 4

You'll simply need to own up your responsibility in front of the insurance provider. You can't gain anything by distorting facts that have already been mentioned in the police report. Since you've not been listed as a "named driver" while she applied for the policy, then she needs to get in touch with an attorney for a further consultation.

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#3 2018-08-13 15:38:50
PILawyer

New member

Registered:

2018-08-13

Posts: 4

Hi,
if you have your own car insurance policy then you might be covered under Driving other cars extension, but this will mean that you will not be prosecuted for driving without no insurance, however if you drove your sisters car and you do not have any type of insurance then your sister's insurance company may void her policy and not pay for the damage to the car and therefore this will impact her car insurance premiums and no claims discount in the future.

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