RE: return of stolen audi

["Dan Sinclair" <sinclair@prospro.com>]

I agree.  In Washington State, vehicles are identified on a policy for
purposes of determining your rate (i.e. you primarily drive a V8 Ferrari you
rate will be higher than if your primary auto is an Audi 4000) but the
policy insures the DRIVER, not the car.

If I get in my girlfriend's car and plow into another driver, MY insurance
company must pay to fix the other person's car, not my girlfriends
insurance.  Further, MY insurance company would have to fix my girlfriend's
car as well, because MY insurance company was covering me, and my driving.
If I'm driving my girlfriends car and someone else is at fault and hits me,
then the other driver's insurance company must fix my car, BUT my insurance
risk may change because I was involved in the accident, but my girlfriend's
driving record and insurance risk could not be altered by law.  Washington
also requires ALL motorists be insured by law.  Thus is you get hit by an
uninsured motorist you have legal recourse to sue them for damages via. wage
garnishments and the like.  Definitely a plus.  Know your rights.

Dan Sinclair
1988 Audi 90, 67K mi.
Picture and details online at:
http://131.107.68.28/a4.org/registry/details.asp?car=761



-----Original Message-----
From: owner-quattro@coimbra.ans.net
[mailto:owner-quattro@coimbra.ans.net]On Behalf Of Lewis, Gary M
Sent: Tuesday, February 23, 1999 9:57 AM
To: quattro@coimbra.ans.net
Subject: RE: return of stolen audi


Dave said;

> Hey folks....
> There is another aspect to this which many people likely do not realize.
> If you let someone else drive your car and they have an accident...it is
> YOUR responsibility.  As far as the insurance company is concerned it was
> YOU behind the wheel.
> YOU and YOUR insurance company will be held accountable.  YOUR record will
> show that it was YOU that had the accident.  YOUR rates will go up.  YOU
> will pay the deductible and any other costs associated with your friend's
> mishap.
> I learned this the hard way.
>
Not in California.  I had a car repaired at a bodyshop, and one of the shop
guys crashed it on a "test drive".  They asked that I come down there and
inspect the damage.  After looking the car over, they took me into the
office and put the accident report information in front of me.
"What do you want me to do with this?", I asked.
"Fill out this section".
"No", I said.  "I didn't crash the car, you guys did.  I don't want this on
my record."
"But the guy who crashed your car didn't have insurance."
"Not my problem.  Fix my car NOW.  And oh by the way, fix all the stone
chips in the front, fix the scratches on the rims, ...."
I was pissed at this point.  They basically wanted me to accept liability
for the accident because I paid for the insurance on the car.  Bu!!$hit.
Don't ever do this...  YMMV in other states...

Gary Lewis
88 5kcstq 1.8 bar 110km Pearl w/Fuchs, K24 turbo, 2-piece EM
86 5kcstqw Sapphire and Platinum, stock
TransGlobal Financial  (818) 384-7600
Mergers, Acquisitions, Public Offerings