Q: I hate a question about a car accident
My brother took my car without my permission and another car hit him on the eway. But my brother doesn’t have a license or ID so he ran because he was scared of going to jail. I don’t want to press charges on my brother at all but I want my car fixed. He was able to get a picture of her ID and License but that’s it. She also filled a police report that says a man was driving. And she’s not going to give me her insurance info. I’m wondering how I should go to my insurance agency? Do I tell them he took the car? But will they fix it? Will they still go after the lady who hit my car? I’m confused
A:
If you can prove that the accident was the fault of the other driver AND if she had insurance, her insurance will pay for your car.
If your brother lives with you and he is not on your policy, you had to expressly exclude him from coverage so your insurance will fight the claim. Even if the accident was the other driver's fault, it could not have happened if your brother wasn't driving it.
You should not post, in a public forum that you are aiding and abetting a criminal (your brother)who, on your facts:
1.) Was driving without a License
2.) Was driving without insurance
3.)Left the scene of a property damage/personal injury accident
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