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Whose insurance do I use and is there a chance I'll fall through the cracks?

Asked about 3 years ago - Skokie, IL

I have State Farm Insurance and so does my girlfriend. I borrowed my girlfriend's car and was backing out of a parking space at the mall when I hit another car. My question is- Do I file a claim with her insurance or with mine? Is there a chance both insurances will refuse to cover me for this? There is no damage to my car but damage to the side of the car I backed into.

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Attorney answers (3)

Scott Alan Schanks

Reputation Level 6

Answered about 3 years ago. Personal Injury Lawyer in Chicago, IL.

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Generally, if you were a "permissable driver", which I assume you were, then girlfriend's insurance policy covers. If not a permissable driver, then depending upon the type of coverages you have in your policy, your policy will cover.

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Michael W. Clancy

Reputation Level 10

Answered about 3 years ago. Car / Auto Accident Lawyer in Saint Charles, IL.

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What Mr. Schanks posted is right-- you'll be covered by the SF policy as long as you were a permissive user. Still, just to be safe, I'd report it to both her insurance company and yours. There is always a chance that both will refuse coverage, but it doesn't sound too likely given the facts that you describe. Good luck.

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