I let my friend borrow my car while I was at work, and their gun accidentally went off. It shot through the car door, shattered the glass, and damaged the car panel. I’m waiting to hear from the claims agent, but I’m wondering if they will cover everything or just the glass?
I apologize if this might be out of line, but I have to ask; was your friend being extremely careless? Also, did something happen to him, like an accident that sent him to the hospital? Is that why he isn’t covering all the damages himself?
Your friend is fortunate that his negligent discharge didn’t harm anyone, including himself. It’s clear that he’s not handling his firearm safely and should think about getting some training before making another dangerous mistake. He should also take responsibility for covering all the damages he’s caused.
Make your friend reimburse you for the losses? He isn’t your friend if he doesn’t want to.
In my opinion, if you have comprehensive, it ought to be covered.
Your “friend” is being incredibly reckless and shouldn’t have access to firearms.
Comprehensive insurance should cover all the damage, but you’ll need to pay your deductible to the repair shop.
If the repair costs aren’t too high and your deductible is significant, it might not be worth going through insurance if they won’t cover much of the repair expenses.
Your friend accidentally fired his weapon, damaging your car. Except for a very limited set of rare circumstances, guns don’t discharge by themselves.
That said, this situation would fall under comprehensive coverage, assuming you have it.
I think this is exactly what comprehensive coverage is meant for. It should cover the entire cost (except for the deductible), which your friend should handle.
The comprehensive coverage should take care of the damage, but they may try to recover the claim amount from your foolish friend.
Was he included as a driver on your insurance policy?
I don’t believe this is relevant or significant. Is it the same household? Yes, it’s crucial to include that foolish friend on the policy, even as an occasional driver. In this case, OP regrettably chose to lend the car to Trigger Finger. Permissive use is all that is required.