My daughter was driving my car and was backed into by a minivan on the street. Relatively minor damage to my car, but still likely a few thousand in damage. The other driver was at fault, and she filed with her insurance company (Progressive); they have worked on processing the claim for two weeks now, but have still not reached a settlement with me. Here's the issue - apparently their insured had just purchased the minivan (likely a private-party sale, BTW), there's some question regarding the paperwork that determines ownership of the vehicle, and that's what's holding up the claim/settlement with Progressive. The other driver has been slow to get info back to Progressive, and after two weeks of waiting on things, I'm losing hope that Progressive is going to settle with me on the claim, so I'll likely just go ahead and file with my insurance to get my car fixed.
My question is in a case like this accident, how is coverage provided? I know that if I'm driving a car, whether it's mine or someone else's, there should be insurance coverage in an accident regardless. But at a more detailed level, if I get in an accident while driving a vehicle that is owned by someone else (as may technically be the case with this accident), what transactions occur with the insurance(s) involved in regards to the claims? If I have Insurance X and the person's vehicle that I borrowed has Insurance Y, and if I'm at fault in the accident, what insurance covers what? And what would the other party that I hit see on their end as far as the claim goes?
My question is in a case like this accident, how is coverage provided? I know that if I'm driving a car, whether it's mine or someone else's, there should be insurance coverage in an accident regardless. But at a more detailed level, if I get in an accident while driving a vehicle that is owned by someone else (as may technically be the case with this accident), what transactions occur with the insurance(s) involved in regards to the claims? If I have Insurance X and the person's vehicle that I borrowed has Insurance Y, and if I'm at fault in the accident, what insurance covers what? And what would the other party that I hit see on their end as far as the claim goes?