My Friend Was Driving - What It Costs
Filing a claim against a friend's insurance in Arizona: what it actually costs them (a rate bump) and what UIM stacking pays you.
Transcript
TSLYou were hurt riding in a friend's car. Here is what filing really costs, and what it does not.
TSLIf your injuries exceed their limits, YOUR own auto policy's UIM coverage kicks in. If you live with a parent or spouse, THEIR policy's UIM may stack too. Three layers. All available.
TSLSo when you file the claim - your friend's rates might go up. That's it. That's the cost to your friend. Not their savings. Not their house. Not their retirement.
TSLA rate increase they'd get for any at-fault accident anyway. Meanwhile YOU get medical bills paid. Lost wages recovered. Compensation for what actually happened to you.
TSLThe insurance is there because reality is unpredictable. Use it. That's what your friend paid for. You don't have to take that guilt tax.