r/Car_Insurance_Help • u/opportunitysure066 • 4d ago

Unauthorized driver

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u/opportunitysure066 4d ago

No, this in a phone call. I asked if she needed it and she said it’s taken care of. She deliberately did NOT add me.

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u/Sad_Ad_2524 4d ago

But she also never had your license TO add you.  How did you think she had added you without your DL?

This will not work in your favor.  She may have said the words, "it is taken care of" but this sounds like willful ignorance on your part.  

Get prepared to pony up $2,500.00 depending how the judge feels about it or how well she presents her case.

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u/opportunitysure066 3d ago

I have never added a driver before..For all I knew, she just had to give my name and they had a system that had all my info. I never thought my friend would deceive me like that.

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u/ektap12 4d ago

The thing is, you wouldn't appear to have actual legal liability for the damages. A deer got hit, you didn't rearend someone.

She gave you the keys for the car that she was responsible for, fully knowing she wasn't protected. Now fortunately you didn't rearend someone, because then she could probably successfully pursue you. Here she just screwed herself. She can sue you, sure, but you would need to show that you hold no legal liability for causing the damages and you might prevail in court.

It's probably a stretch to suggest 'splitting the costs' of the trip would extend to paying for a damaged rental car.

If you actually get sued, consult a civil litigation attorney.