help! Genesis coupe 2.0T

[MelissaMendez]

Hi, my name is Melissa Mendez i just got in a car accident and my insurance is not covering the damages for my car(long story). But now i have to pay for the damages myself.

Should i take the car to the dealership or to a less expensive place to fix it?


The damages are mainly rear bumper and right tail light, and a little bit of finder damage. I was also thinking about getting some custom tail lights if it would be cheaper.

I hope someone can help me!

thanks in advance

 

[homeofstone]

Was the accident your fault? If not then the other car's owner must pay for damages. If it was your fault and your insurance was paid up to date or you have not received a cancel notice then your insurance must pay even if you were not the driver.

 

[MelissaMendez]

my insurance company said they were not going to cover the damage because it wasnt me who drove the car. The person driving the car is not on our insurance policy.

 

[homeofstone]

See the following info. Try to get insurance to cover it because they should unlees your policy specifically states that they do not. ]

However, you obviously cannot list every person who may borrow your car on the insurance policy. Fortunately, insurance generally covers anyone who you willingly grant permission to borrow your vehicle. This rule extends to people who borrow the car in a one-time situation, or occasionally. If you intend to have someone drive your vehicle on a regular basis, they should be listed on your policy.

If the person driving the vehicle does not have the express permission of the named insured, auto insurance coverage may not be extended. For example, if your child allows his friend to drive your vehicle without your knowledge, your insurer may deny coverage to the friend. Likewise, if the person who borrows your car is not legally allowed to drive or does not have a valid driver's license, coverage may be restricted.

What Happens if the Person Isn't Covered
If you lend someone your vehicle and your insurance carrier denies coverage in the event of an accident, you can attempt to recover damages through the insurance policy of the person who was driving. The liability provisions of his own car insurance policy may provide him with coverage against your claim of damages. You could also sue the person who was driving individually for damages, to recover the amount you had to pay out as a result of his improper driving of your vehicle.

 

[MelissaMendez]

Thanks! im going to try to ask him to talk to his insurance, but i dont have a good feeling that his insurance will cover it. He has progressive insurance btw



Worse case scenario if i fix it myself, i can just order tail lights from ebay, new bumper, and the body work i can take to bodyshop? How hard is it to install a rear bumper yourself?

 

[homeofstone]

Thanks! im going to try to ask him to talk to his insurance, but i dont have a good feeling that his insurance will cover it. He has progressive insurance btw



Worse case scenario if i fix it myself, i can just order tail lights from ebay, new bumper, and the body work i can take to bodyshop? How hard is it to install a rear bumper yourself?

Installation is not hard , however the paint is a four step process. 1. primer, 2. base coat, 3. mid metallic coat, 4. clear coat, then wet sand and buff.