“Hi pals…
I’m looking for some advice. I’m currently out of the country, and my brother borrowed my car. Unfortunately, he sideswiped a mailbox, which somehow latched onto the hook and tore into the door panel and back quarter panel. The damage is substantial—around $9,000. 
Here’s where things get tricky: my brother had a non-owners liability insurance policy at the time, but after the accident, he switched to an owner’s policy and tried to raise the claim himself. I have full coverage on my own policy, but I’m not sure how to proceed in this situation. Can anyone offer advice on what steps I should take to handle this properly?” Best wishes…
Take detailed photos and create a thorough list of the damage. This documentation will be essential for insurance claims or any negotiations.
Notify them of the accident and share all relevant details. Since your brother was driving, his insurance might cover the damages, depending on your policy and local regulations.
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Have a calm, honest discussion with your brother. Talk about the situation, the damage, and the steps you plan to take moving forward.
If your brother’s insurance is applicable, file a claim with them.
If your brother agrees, he could cover the repair costs directly.
Consider discussing a payment plan or alternative arrangements if needed.
Maintain a record of all communications, agreements, and payments.If the damage impacts the car’s drivability, have it repaired as soon as possible.