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If a combination of vehicle type, drivers history, and location result in a probability of claims per mile driven; then having an estimate of miles driven each year allows the insurance company to price their policy for each driver appropriately. Now some costs don't depend on the miles driven. These include claims for towing, claims for theft, claims for ...


2

Your mom needs to file her own claim against HER insurance. What happens when you get into an accident is you take the car to get repaired and your insurance covers the repairs. Then, your insurance company subrogates against the at-fault party's insurance (i.e. tries to recoup money from the other person's insurance). DO NOT CONTACT THE OTHER PARTY'S ...


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