Friend borrowed my car and had an accident.

I had someone hit my car and could not open the back passenger door. Their insurance had to pay for my temporary car as the car is not road worthy if you cannot open the door. In an accident emergency services might not be able to get you out.

@HotCrossBunplease i don’t know what I was thinking!

Surely the insurance should cover every including a courtesy car?

You’re not sure how you feel about that?!

You should feel fucking angry. You should find out about using your insurance, and getting them to claim from her. You should be seeing what legal cover you have on your insurance, and you should be ready to fight her in court if needs be.

You should also be telling her that she should be ensuring you have a courtesy car (whether she pays for it or it’s covered by insurance).

Shes got a fucking cheek!!!

Why would there be any repair costs for a car that’s been written off?

Absolutely not! I get she didn't cause the accident but she'd have to meet this cost if it was her own car she was driving so she covers it for yours.

This is going to sound mean but I'll only lend my car to one person who I know could comfortably afford to cover any costs if an accident happened.

Moral of the story is don’t lend your friends items that are worth tens of thousands of pounds and will be a huge inconvenience to you if she damages. Which she has.

I can’t ever imagine being cheeky enough to ask to take someone’s car on holiday.

Big fat no!! She has some cheek!

I agree @angelinaballerina7 (was writing a reply to say this before you edited!)

Complete edit - I was so wrong the first time. Completely no, you lent her your property and it was damaged in her care. She pays anything left uncovered.

This stuff takes time, you can’t magic up the parts the garage needs, they will take time to come.

She has insurance, it takes a while, that’s life.

I wouldn’t take it as the moral being not to do someone a favour, you did a good thing.

Nope. When a neighbour hit my car, it took her insurers about a month to decide it was a write off. They faffed about, delayed, etc., Saying a garage would come to pick it up to evaluate it, then the garage arranged a collection time, didn't show up, then they decided they wanted photos - day after day of constantly phoning both the insurers and garage. Even when they decided it was a write off, it was more delays as the "engineer" who did the valuations was "Busy" and we had to wait in his queue. A complete nightmare.

The OP would probably be best started a claim through her own insurer and letting the insurance companies argue between themselves who is liable etc. She'll probably get better/quicker service dealing with her own insurers. Really should never have left it to the "friend" to sort out.

As the legal owner of the car, I think that you should be able to deal directly with the insurer. I had a look at an example temp comprehensive policy wording online and it (unsurprisingly) makes it clear that any payment for damage is made to the legal owner. This means you have status as an Additional Insured or Loss Payee in insurance law parlance, which is slightly different to your friend just nominating you as her representative. I’d suggest that you and she speak jointly to whoever is handling the claim to understand how they intend to handle communications going forward. You may have to produce evidence evidence if your identity and ownership.

What a mess.

And what are you expected to do while it's sorted? Does your own car insurance offer any sort of legal protection additional cover?

Although friend didn't cause the accident, your car would not have been damaged if she hadn't borrowed it, so she has responsibility to sort it, but as she doesn't own your car I can't see how she could negotiate a total loss claim.
Good luck, messy, and not the sort of thanks you'd want for a good deed.

No, the moral is, don't lend anyone your car.

When my car was hit, I had to take photos of the damage to send to my insurance, they informed me it was written off within 2 days. Its strange her insurance told her to take it to a garage then said its not repairable three weeks later. I got the value of my car but lost my excess even though i was not at fault. So you probably won't get fully what it's worth.
Moral of the story, don't buy electric, they can't be charged everywhere if your doing a road trip.

Where is the car now op? If its been written off then no you shouldnt drive it.

My DS had an accident in my car beginning of March. Was almost the end of April before it went for repair. We did t get it back till mid June! I think it can just be a slow process with insurance companies only using certain repair companies so there may be a long wait if the garage is busy. Very frustrating for customers though!

I am assuming your friend’s fully comprehensive insurance didn’t include uninsured loss recovery? It is worth checking to see if it did, as you would then be covered for car hire while yours is unusable. Ask to see the insurance policy.

If car hire is not included, you can still make a claim for uninsured losses against the third party who was responsible for the damage to the car. It’s payable by his insurance, because his liability is for all your losses. So you contact your insurers and the third party insurers and tell them you are making a claim for car hire because your car has been written off and you need a car. I used to do this but thirty years ago and I was in a law office where we had all the information - insurers and third party insurers and driver’s information. I think you do need to get your friend to name you as agent - you need to talk to the insurers as the owner of the car and explain your needs and your wish to make a claim for car hire. Also you need to be the person agreeing the amount of money you are prepared to accept for the written off vehicle, because insurers always offer the minimum on the first go and you have to go back and tell them that’s not enough. Just how the game is played. Good luck.

Then you need to be tougher that she needs to sort this asap! Sounds like she's being flaky.