Car write-off as secondary driver? HELP NEEDED!

by Marko
(Toronto, ON)

Hi,


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.

THANKS!

Secondary Driver and Accident


Hi Marko
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!

Good luck

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Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

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