What happens if someone else is driving my car and gets in an accident in 2025?
January 9, 2025 - Uncategorized
Lending your car to a friend or family member for errands or emergencies can lead to unexpected complications if an accident occurs. Here’s what you need to know about liability and insurance coverage in such situations.
Who’s Responsible for Damages?
- If the Other Driver Is at Fault:
The at-fault driver’s insurance typically covers damages, regardless of who was driving your car. - If Your Friend or Relative Is at Fault:
Your car insurance usually covers the damages since auto insurance is tied to the vehicle, not the driver. If damages exceed your policy limits, the driver’s insurance may serve as secondary coverage.
Does Car Insurance Cover the Driver or Vehicle?
Auto insurance generally covers the vehicle. For instance, if you lend your car to your sister and she causes an accident, your insurance will pay for damages. If the costs exceed your policy limit, her insurance may help with additional expenses.
What If Someone Uses Your Car Without Permission?
If someone takes your car without your consent, your insurance typically won’t cover the damages. In this case, the driver’s insurance is responsible. If the driver is uninsured, your insurance might still have to cover the damages, depending on your policy terms.
Protect Yourself After an Accident
If someone driving your car is involved in an accident, especially if they’re uninsured, impaired, or unlicensed, it can complicate liability and claims. Contact Reyna Law Firm to understand your legal options and ensure your rights are protected.
For expert guidance and legal assistance, visit our website or call us today.