Yeah, clarity helps, but it definitely isn't bulletproof. A while back, I lent my car to my cousin—super responsible guy, no worries, right? Well, turns out he got rear-ended at a stoplight by someone texting. Insurance was clear enough, but still took weeks of back-and-forth calls and paperwork to sort out. Sometimes even when you're covered, it's just... messy. Glad your situation worked out though!
True, insurance can get messy, but honestly, delays often come down to how quickly the involved parties respond. If everyone's prompt with documents and calls, things usually move smoother... though yeah, some cases are just complicated no matter what.
Yeah, that's a fair point—responsiveness definitely helps. But have you noticed how quickly things spiral when there's uncertainty about who's at fault or coverage limits? I've seen straightforward cases turn into month-long headaches just because someone wasn't clear on their policy details. Still, hang in there... usually once the initial confusion clears up, things start moving again. Did your friend have their own insurance too, or was it all on yours? That can make a big difference.
Honestly, even when everyone knows their policy details, things can still drag on longer than you'd expect. Had a minor fender-bender last year—both of us fully insured, clear fault—but paperwork and back-and-forth still took weeks. Sometimes it's just bureaucracy being slow, not always confusion over coverage. But yeah, having two sets of insurance definitely helps smooth things out eventually... hang tight, it'll get sorted.
Totally get your point about bureaucracy slowing things down, but honestly, two sets of insurance don't always make it smoother. I've seen cases where it actually complicates things because both companies keep passing the buck, trying to get the other to pay first. If you're lending your car regularly, you might wanna look into adding your friend as an occasional driver on your policy. Usually doesn't cost much extra, and it can save a lot of headaches down the line. Also, double-check your policy wording—some insurers have clauses about regular drivers not listed explicitly. Just something to think about... better safe than sorry.
