^^^ CORRECT
Jimmy I am a Personal Lines Underwriter- I work real close w/ Claims and see policies all day long (Home, Auto, Umbrella etc) and hold about 7 licenses. Let me explain a bit..
He obviously hasn't filed a claim yet, because he would tell you the car WILL be covered. The vehicle is what a company is insuring, not the driver. The driver is another risk, but that is what you pay premium for on a monthly basis. You will be covered on the loss regardless if you are on the policy or not, under a "permissive user" claim. You had his permission, correct? Then there is no grounds to deny a claim. Whether or not he has full coverage is another story, and his premium will likely increase because of the claim. (Nothing he can do about it, it stays on file for 3 years in GA)
If I were you, I'd pay the deductible (assuming he has one) just to be a nice guy, and be done w/ it. Make any statements you need to make, answer whatever questions the claims rep has, but face it- if you weren't driving, it would've been a lot worse for this dude.
Hope this helps
Reply With Quote