alright so today I went out, christmas eve of all nights too. And I was driving down a major road pulled off to turn around and got back on the road to make a right back onto the major road. It was alittle bit upsloped and i had a green light. All of a sudden this car comes flying from the left out of sight to right infront of me. I hit the brakes and my car slows down but i clipped the back left of his bumper. I saw no damage on the bumper accept scratches, but thats besides the point.
The guy said what do you want too do you can pay to fix it or we can call the cops or whatever. This made me think it was his fault since he was pushing to have it under the table.

My dilemma is the car was actually my fathers im not on the insurance, he was lending it to me. I have a valid license but it was his car, i dont have car insurance yet.

Whos fault is it and what should I do?

What should we do?

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since u have no insurance.. i guess its ur fault

Really? What a bummer, the car was insured though? Don tyou just need to insure the car not the person?

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I think that ur name must be on the insurance, or a insured person must be in the car while U drivin... But im not 100% sure

Had that not been the case would it have been the other guys fault?

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depends what state ur in u should be covered and if he caused accident that doesnt mean anything i hope u got his info he responsible u have a green light his fault he needs to pay not having insurance doesnt change fault and alot of peoples policies cover when the car is lent to someone so u might be coverd depends on state and policy though

Im just glad noone was hurt.

-Hank.

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I am not here. None of this is real. Now go back to sleep.

sounds like its his fault, and the last accident i got into was w/ someone in your insurance circumstance, but the car was covered by someone else so he was good

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OutGrowBigBro.org"It's not about the salary, it's all about reality"-NWA

first thing i said was "you alright?"

It wasn't necessary but just for good measure i went up to his window and said you alright. I got a stare at the dashboard. Then I said "sorry this has to happen on christmas eve right. this suck man"

Then i got the it was your fault you pay me treatment.


ill draw a picture of wat happened to explain it alittle more fully






EDIT: OH forgot to mention a police report wasn't filed. We left the scene with exchanged information.

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are you over 25 yrs old ? If so your prob covered on your parents policy.. If not .. They might increase the cost of coverage .. never the less leaving the scene of an accident is a crime.. If you were sober and have a license , then you should have called the cops cause you need a police report to make an insurance claim