Reader’s Question:
Last night, I was driving my friend’s car when I crash in the parked vehicle. Well there was no damage on my friend’s automobile but there was a damage to the parked car that I hit. I am just wondering if they can go after my car insurance carrier in Austin Texas and not on my friend’s insurance since it was my fault. Is that possible?
Bryan
Austin TX
Car insurance coverage usually follows the automobile first and the insurance of the driver, second, therefore the car insurance claim will normally go through your friend’s car insurance provider as the to be the primary. Your car insurance coverage will be secondary or will be excess if your friend’s auto insurance limits would not pay for the full damages to the other party’s automobile.
If you would like your car insurance in Austin Texas to be used you will need to speak about this with your friend’s automobile insurance carrier. The car insurance agent will be able to assist file the car insurance claim and answer any questions that you have regarding your specific situation.