Car write-off as secondary driver? HELP NEEDED!
I recently got into an accident, not at fault. I drive a 2007 BMW 323i with 50K under my dads name and insurance as secondary driver.
I have never been in any accidents before. Only 1 speeding ticket (no points lost).
The other driver hit my car from the side damaging the whole left side body. I felt a little pain on my legs.
The car looks like it can not be repaired. Is it still liable for write-off? How does the process work?
I am afraid I wont get covered.
Secondary Driver and Accident
Unless I am totally misunderstanding your question and the situation, I think you're fine.
The car is insured, you're listed as a driver, you had permission to drive (assuming), you weren't drunk (assuming), you have a valid license (assuming).
Based on those facts and assumptions, I can't see why a claim wouldn't be paid.
What will happen is that the insurance company will put a value on the car and offer a cash payout towards buying a replacement. The value will be based on fair market value of comparable vehicles.
By the way, are you ok? Don't hesitate to report injuries. It's best to make sure you are ok and get proper rehabilitation if you're hurt. The size of a claim does not make a difference for future premiums.
Hope that helps? And hope I'm not missing anything!
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