Insurance question my friend borrowed my car with out permission and got into an accident?
Either he stole it,or he had permission. Unless you filed theft charges against him and reported the car as stolen, he legally was driving with “reasonable permission of use”. If you didn’t file theft charges and report the car as stolen, your insurance shoud pay. You gave permission. If the car was being operated as stolen, THAT is when your insurance company can deny the claim, HOWEVER, then you can’t be held liable for the damage! Bottom line – I think the person you talked to told you wrong. But if you didn’t report the car as stolen, and don’t want to prosecute your friend for auto theft charges, he DID have implied permission to use the car. Now, your company might still be able to deny the claim, if he lives with you and isn’t listed on your policy. But if he doesn’t live with you, and doesn’t have regular access to the car, it shouldn’t be a problem Your REAL problem is you have no agent to advise you. You’re your own agent, with Geico. Good luck.
