Ask the Car Insurance Expert
Some girl let her boyfriend drive her mother’s fully insured car and wrecked into my parked car with liability insurance. Who is liable to pay for my car that is totaled? The girl’s mother and I go through the same insurance company.
I am constantly asking myself WHY girls let boyfriends drive their cars. Letting the BF drive the mother’s car is even worse. No good can come of it – they will crash and the rates will go up for the owner.
The mother’s policy will need to pay for your damages and a rental car while your car is in the shop. Make a claim against her policy. In the end it doesn’t matter that you use the same company.