Who Will Pay for This Accident?

[judgediatl]

What is the name of your state (only U.S. law)? Ohio

My wife got in a fender bender tonight. It was raining, she stopped quick at a red light and slid into the car in front of her. Little or no damage to them and a broken headlight/bent hood on our part. Here is the things to know:

1) She has insurance through Progressive on our car
2) She was driving my Father's car at the time, not ours
3) He has insurance on his car through Geico, but she is not listed on the policy (but I am)
4) She provided both sets of insurance policy info to the other driver (her Progressive and my Dad's Geico)

My question is, which insurance company do I report this wreck to; ours or my Dad's? Which company will pay for the damage claims if needed?

 

[HighwayMan]

The vehicle's insurance will deal with this.

 

[ecmst12]

As long as you don't live with your father, there would be no need to have her listed on his policy in order for her to be covered as an occasional driver. His insurance will pay for the damage to his car if he has collision coverage (minus his deductible) and also the damage to the other vehicle. If he doesn't have collision coverage, but your wife has it on her car, it *may* provide coverage for the damage to his car (less her deductible), but she'll have to call them to find out about that.

 

[tranquility]

I would report it to both. That way your wife and your father are covered.

While possible that there is some allocation away from your wife, your wife will probably be fully responsible for the damage. As will dad. (Usually up to a certain amount.)