I was driving my brother's insured car in our apartment complex when suddenly a lady backed out of a parking space and hit my brother's car. Later on that day she changed her story claiming the collision was my fault. So we both made claims with each others' insurance.
Even though I'm sure it was her fault, I'm concerned because my drivers license is not valid. Will my invalid license effect the claim since I was driving my brother's car? Thanks.
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ANSWER for "In a Collision with an Invalid License...":
No. The status of your license should have little or nothing to do with your liability, or that of your brother. Although it might seem logical, if you were obeying the law and not driving that day as you should not have been, the collision would not have occurred. Thankfully for you it doesn't work exactly like that.
The claim will come down to who was at fault. From the facts you present it would appear quite apparent the other driver was. If you were driving through the parking lot and the other driver backed out of her parking space, she would be liable, and not you.
Your brother's driver's license or his insurance should not be adversely affected at all. That presumes your rendering of the facts is accurate and there aren't any other facts which might have a bearing on the matter.
The entire matter boils down to who was at fault. Clearly the other driver was. The rest should take care of itself.
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