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Ok folks, well I'm a relatively new auto insurance agent and as it would happen my wife just got hit by her new boss backing out of the driveway on her first day at work on a new job. OF COURSE!!! Now the particulars are a bit out of my realm of knowledge. Her car is an 88 civic, was hit already on the other side for a total loss where the other party's insurance paid out 1400 on that first incident. Now her boss backed into her and the quotes for fixing it again are far over the value of the car. She never fixed the damage on the other side as it was a total loss and wasn't really worth fixing it at 1600 dollars. This time on the other side her boss smushed her in again, however he wasn't driving his own car. He was driving his father in laws car who is insured and the boss is insured also. I'm wondering what is going to happen. Obviously I know that the insurance stays with the car, so its his father-in-law's insurance that will pay the claim and that the father-in-law's insurance wont go up as he wasn't the cause of the accident (fact checking appreciated). What I'm wondering is, will her being paid on a total loss effect the payout this time around for the 2nd total loss. And will her bosses insurance rates go up because he was the driver of another car during this accident? I'm guessing that neither the boss' or father-in-law's insurance premiums will elevate as the one wasn't the cause of the accident and the other's insurance company didn't have to pay the claim. Please let me know folks, you've always been good to me. Also the boss is wondering if he'd be better off telling his insurance company that he damaged the vehicle with one of his own owned cars. That was his idea, I figure that's some sort of insurance fraud and should be avoided, however if its to some of you a viable option then let me know. Thanks again folks, we're in California.
