although I have insurance for a different car. I hit a car and made a small damage, no bodily injury. No damage to the car that I drove. I'm not able to pay for the damage. What can I do?
If you own your own auto and have insurance on it and were driving the vehicle with the owner's permission, you should be able to make a claim for the damages to the other vehicle under your property damage coverage.
Don't delay. Report the claim now. Your insurance policy is a binding contract between you and your insurance carrier. Each and every policy has a clause requiring its insureds to report any accidents or incidents in a timely manner. Failure to do so within a reasonable time can lead to the insurance company attempting to deny coverage by sending a disclaimer letter and later a denial letter.
Bottom line: report the accident immediately to your insurance carrier. This is the very reason you have been paying insurance premiums. Let your insurance carrier earn its keep.
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Your auto insurance should carry to any car that you are driving. Did you try to file a claim with your own insurance carrier?
Make a police and dmv report. Consult with property damage and bankruptcy attorney.
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