Can my SSI be taken for car accident incident?
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UPDATED: Nov 13, 2012
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Insurance Question from Duluth, MN
Asked on 11/13/2012
Can my SSI be taken for car accident incident? I took my girlfriend's car without asking and was involved in a car accident. No one was hurt, but the insurance company of the other driver is pursuing my girlfriend for settlement. She wants to sign something that says that I took her car and that it wasn't her fault. Will the insurance company come after me then? Police were involved; I got a ticket and am paying towards that. I survive on SSI, so have a limited imcome.
Answer given on November 13, 2012
If you were involved in an accident in another person’s car, the insurance for that car is responsible for repairs to the other party’s car. Your girlfriend needs to report the accident to her insurance company and let the adjuster handle the settlement for the damages. If she had collision insurance on her car, then her damage will be covered, less her deductible.If she signs a statement that you took the car without permission, you could be charged with theft of an auto. Even though you didn’t have permission specifically, if you have used the car previously, it can be presumed you had pemission to use the car. Even though her insurance will pay for the damages, her insurance will not increase presuming you are not listed on her policy as a driver. However, the insurance company may ask for evidence of other car insurance for you. If you don’t have insurance, she will either have to add you as a driver under her policy, or exclude you. If you are added to the policy, then your driving record will have an effect on her insurance rates.
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