I own a landscape company and one of my trucks was going to be in the shop for a couple weeks so we borrowed my buddies (he owns a electrican business) beater of a truck.
My crew was taking a break at a gas station and parked along one side of property. When they finished they had to back up and then pull around the pumps to exit the property. Some crack head pulls up to a pump as my guys are backing up and our trailer hits his bumper. He made no effort to back up his vehicle. We got video from the convenience store. The other driver immediately asks my foreman for $500. My foreman laughs and said no. They exchange insurance info and driver licenses. We noticed that insurance card which was a pic on his phone has another car listed and someone else's name listed. Also the car is listed to someone else (same address as on his DL). This guy filed a claim and my friends insurance rep said he also has a attorney. The insurance rep said that this guy has filed numerous claims over the past couple years. The convenience store owner says he usually has a younger girl w/ him that is missing a bunch of teeth.
I don't want this to affect my friends insurance. Should I see if my insurance will handle it (hired/non hired) or should I have a lawyer contact him and see what it would take to go away?

Thank you!

I think I have some in my middle console

Does he have logos and commercial insurance? I think the gas pump dude saw an easy payout. At this point, I'd let it all run its course. Your Freind is going to have to have to deal with whatever effects it has, if any.

I'm really not sure who has to deal with it. But insurance follows the vehicle per my understanding so this is going to be his battle to fight I believe.

Thank you for the reply. I think he said since that truck is a beater and he uses it to haul trash, etc periodically its on his and his wifes insurance, for some reason. I guess I will get my insurance involved and see if they can help out. I feel bad. I would love for someone to investigate this guy and beat his ass.
Thanks again.

Insurance generally follows the vehicle if the owner gave permissive use to the driver and there is no contract that requires the driver to provide primary coverage.

However, I would check your commercial auto Dec page and see if it has the number "1" or "7,8,9" next to the auto liability limit. If it has either of those things, you can ask your carrier to review it as a non-owned auto. I suspect your carrier will try and push it to the owners policy based on the other insurance language. If nothing else, your policy might split the claim if an attorney needs to be retained or if a settlement is reached.

offer him 100 and move on with your life.

but get any agreement in writing.

sts7049 said:

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offer him 100 and move on with your life.

but get any agreement in writing.

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If he has an attorney now, this route is out the window.

Does it make a difference that it was on private property?

Years ago, a roomate (A) borrowed the other roomate's (B) GF's car and hit some road debris damaging the car a bit.

B wanted A to use A's insurance but A's insurance kept saying that the car's insurance would cover it. Not sure what happened but they were arguing for a week over it.

Howdy! I'm so sorry this happened. I am a Risk Advisor in the Houston area and would love to take a look at this and help you in any way possible.

Feel free to reach out with any questions you may have!
713-979-9740
amy.keene@bch-insurance.com