Legal Question in Insurance Law in Georgia

My son who is in college gave car keys to an individual to have him give them to someone else. The first person who had the keys took the car and drove it. He had a wreck and totaled the car. My insurance company is paying the damages, I feel the guy who was not authorized should be responsible.


Asked on 11/09/09, 11:17 pm

2 Answers from Attorneys
Glen Ashman Ashman Law Office also dba Glen Ashman Attorney

Why would you think that? Read your policy.

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Answered on 11/14/09, 11:23 pm
Ronald Arthur Lowry Ronald Arthur Lowry

I agree but in a convoluted way. Your insurer may repair your car, then go after the bad guy ("tortfeasor") under what is called "subrogation." That way your car gets fixed or replaced while the whole thing is being sorted out. You are out your deductible in the short run but you are supposed to get paid that back when your insurance company gets the money out of the tortfeasor or his insurer, if the guy has liability insurance. Let them do it. That is why you paid those premiums.

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Answered on 11/16/09, 3:58 pm


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