You or your parents may be liable for the property damage if there is no auto insurance to cover the claim.
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If the other insurance company is asking you to fill out a form, it may mean that their subrogation department is looking to get paid back for repairs to this property damage/scratch. In turn they will pay back their insured for any deductible per the terms of his/her policy. If you didn't have insurance or your car was not covered at the time of the incident, the insurance company may come after you and/or the vehicle owner directly.
Sam K. Mukerji
As the operator of the vehicle you are liable for any damages that you cause to persons or property in the course of operating the motor vehicle. The owner of the vehicle is also liable for any damages that result from the negligent operation of their motor vehicle, unless the driver was a non-permissive user or if the vehicle was stolen.
In the instant case, it appears that you had permission to use the car, even though you were not added as an insured on your father's auto policy, because you were a permissive user the insurance company may cover this claim. However, if you were specifically excluded from this policy, then it is unlikely that the insurance company will cover this claim, in which case you and your parents may face the possibility of paying this claim out of your own pockets.
The response given is not intended to create, nor does it create an ongoing duty to respond to questions. The response does not form an attorney-client relationship, nor is it intended to be anything other than the educated opinion of the author. It should not be relied upon as legal advice. The response given is based upon the limited facts provided by the person asking the question. To the extent additional or different facts exist, the response might possibly change. Response is for informational purposes only. Time is of the essence. Do not delay. See a lawyer immediately.
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