Re: I need help (Accidents and legal stuff)

[Michael Reilly <mreilly@xxxxxxx>]

As I understand it, and I am by no means an informed expert, but I 
have always heard that the insurance of the person driving the car at 
the time of the accident is what covers the accident. This is why you 
can rent most rental cars without extra insurance, because your 
regular insurance will still cover you. Your insurance is based on 
the car you own/drive, but really it follows the person, not the car. 
So in this case, I would think that his insurance would cover it, it 
doesn't matter if she owns the car, or if neither of them own the 
car. But I could be wrong on this, so don't hold me to it.

Michael



>I have a friend who just got in an accident. She broke her wrist, but what's
>more is that she has a bigger problem that she has to deal with.
>
>Let me start with what happened. She was in a car with her boyfriend. She
>just bought the car from him, and she's handed the cash to him. However, the
>title is still in his name.
>
>Her boyfriend was driving the car when the accident happened. Their car hit
>a car in front of them, and that linked to another car. When the accident
>happened, the boyfriend told the police that he had sold the car to her, and
>she had already paid for the car.
>
>Now, who would be responsible for this? The title is still in her
>boyfriend's name, so legally the car is still in his name. He was the one
>driving the car. She is scared that she'll be hold responsible for the
>damages. Since she just bought the car, obviously she doesn't have any
>insurance. Who will pay for the damages?? (Question 1)
>
>If the judge decided that it is not her fault (her b/f to pay damages), what
>should she do with the money that was meant for the car's payment?? (She
>gave it to her b/f, but he is a jerk) I'm afraid that he will take the money
>from her to pay for the damages, but he won't give her the title to the car.
>(Question 2)
>
>Thanks.
>
>Michael Ting
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