New MPP: While car shopping to replace the current bucket of bolts for a newer model that functions when the weather is below freezing (you live in Canada after all) you ask the sales guy for an accurate trade in value for the car. He insists on driving it to make sure it runs and is also excited he gets to drive a standard (apparently this is very rare). While he's driving around the block, he hits someone and causes very minor damage to both cars.
As a mustachian you are completely unconcerned about the cost to repair either bucket of bolts (the other car was also a basic, older model) however, you are very, very concerned about the potential liability to you from personal injury claims from any of the 3 people involved in the crash. You file an insurance claim strictly to protect your stash from said claims. The sales guy is mystified as to why you aren't concerned about damage to your car and doesn't understand why you are concerned about a potential lawsuit.
How did sales guy's manager react when told that sales guy, in the ten minutes he was driving your car, managed to hit another car?
In general, would a lawsuit by the sale guy's victim hit TrMama and spouse, or just sales guy and dealership?
All the sales guys in the shop had their fake happy smiles pasted on and were still trying to get us to buy one of their cars. The sales guy driving my car was incredibly apologetic and clearly wanted to crawl into a hole. I was very tired (it had already been a long day) and used my quiet, angry mom voice to tell him to make my car driveable ASAP so I could go home.
Anyway, I learned a lot about insurance yesterday. The claim will be paid for by the dealerships insurance. They have a policy that covers events like this. I learned that all mechanics, dealerships, etc have this kind of policy that covers their cars being driven by clients (like if I'd crashed the car I was test driving) and clients cars that they damage (like mine). Since we're in BC there is only one car insurer the process is relatively painless. I just wanted to submit the claim, instead of having the dealership fix all the damage without reporting anything, to be doubly sure no personal injury claims could come back to haunt me. Even without the claim, this was unlikely, but I have a low risk tolerance for this kind of nonsense. Accident victims here have 1 (or 2?) years to submit a personal injury claim.
Technically, even without a formal claim in place I could never be held responsible since I wasn't driving when the accident happened. It would always be the dealerships policy that would pay (since sales guy was driving my care for work purposes). However, I am the registered owner of the car, it was clearly my car that caused the accident and I wasn't present for the accident so I don't really know what happened. If this had to be investigated a year from now (if one of the people involved decided to put in an injury claim) the details would be hard to remember/prove and I don't want to deal with anymore drama.