Re: Accident in a Borrowed Vehicle (Previous Boyfriend) Due to Icy/Snowy Roads
... and not to make matters worse, but:
It appears to me from what little research I did in Iowa statutes, that you as a driver, are just as responsible for insuring the vehicle you drive as the owner is. So regarding your previous question:
You already have the answer, and it is in the fact that your insurer covered the damages to the parked vehicle under your liability policy... Only bad thing is that your "liability' policy only covers damages to that third party, but not yours or his.
In other words, you, as the driver of a vehicle (regardless of who owns it), are responsible to damages you caused to the vehicle you were driving as well as damages that you caused to any other vehicle as a result of an accident. You got lucky in that you had liability insurance to cover the other vehicle but weren't lucky enough to have full coverage to cover the vehicle you were driving!
The question then becomes two fold, question number one:
1) Is he suing you within the statutory period allowing for a civil suit as a result of monetary damages? Likely yes, but you'll have to look into what Iowa's statute of limitations is for unsecured personal debt.
and more importantly, question number two (although this one can get complicated):
2) Can he provide proof that his damages totaled $5000? Does he have estimates (or since it has been over 2 years) does he have repair bills showing a total cost of $5000? If not, his word that the cost to repair the damages totaled $5000 is not likely to be sufficient. In reality, the fact that he is in the business of buying and selling cars, he may have sold it "as is", and it maybe true that he took a loss on it at the time of sale (compared to what he paid for it when he bought it), but even then, I'm not so sure that would fit the bill to justify his "damages" as a result of the accident considering the fact that part of the difference between purchase price and sale price could be attributed to the use of the vehicle, and not strictly due to the damages from the accident.
Keep in mind that if he is in the business of buying and selling cars, it is highly likely that he knows people "in the business" who may be able to fudge an estimate or a repair bill and back date it to fit the scenario.... So you'll have to proceed with caution as you proceed...
I am right 97% of the time... Who cares about the other 4%!