QotD: who should pay?

Feb 23, 2008 at 9:59 PM
6 comments

You crash your friend’s car because you’re driving too fast in bad weather. Everyone’s OK, but the car has to go into the shop. Who pays the deductible?

Brain hurt. Question too complicated.
Actually, assuming deductible means excess in American, then isn’t the answer bloody obvious?
This is sort of like asking, ‘Donny hits Marie. Who should apologize?’

6 comments

Jack Yan’s rating:

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This is interesting.

This has never occured to me, but I think my insurance covers me when I'm driving another's vehicle. So if I'm driving another's car and I have an accident why should his insurance go up by filing a claim when he/she wasn't at fault?

tall-rich replied to Zak Klemmer’s comment:
Feb 24, 2008
Reply

Jack - I think I agree with you. Surely the person at fault has a moral obligation, even if the driver has the legal obligation?

Zak - may be a country thing. In the UK, whilst many policies cover you for driving cars other than your own, it's only third party - i.e. it'll cover the person/thing you hit, but not the damage to the car you're driving.

Yes, exactly, Rich. I think it is a country thing. At the least the person at fault needs to reimburse the vehicle owner; or be involved in such a way that the owner’s premiums do not go up. It sounds like things are different Stateside.

Zak Klemmer replied to Jack Yan’s comment:
Feb 24, 2008
Reply

I know it's different on the Isle of Man then America, sounds like I o M is the same as the rest of Great Britain from reading tall-rich's post. My son-in-law is from the I o M.

Jack Yan replied to Zak Klemmer’s comment:
Feb 24, 2008
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I would guess the Manx situation is the same as the rest of the UK.

QotD: who should pay?

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