What happens if you borrow a car and get in an accident

An attorney can help you navigate the insurance claims process in San Antonio. Board certified in personal injury trial law Experience. Text Us! Posted in Car Accidents on March 17, You may not think twice before letting a friend or family member borrow your car. Insurance Covers the Car, Not the Driver It is a common misconception that the auto insurance a driver pays for covers the driver.

First-Party vs. Third-Party Insurance Claim In Texas, the car insurance of the party at fault for causing the collision is financially responsible for damages. Primary and Secondary Insurance Coverage A car accident when someone else is driving your car may involve both primary and secondary insurance. That is why it is important to know what is included in your policy and your liability if you lend your car to someone.

If you are still not sure about the terms of your policy after an accident, it is best to speak with an experienced lawyer who can review your auto insurance coverage and discuss your options. This would be deemed non-permissive use. It can be challenging to prove that you did not give a friend or family member consent to use your car. Unless there are clear indications that you denied permission, the insurance company will assume that you gave permission.

In some cases, you may not be responsible for damages if your car was stolen and involved in an accident, someone borrowed your car without permission and caused an accident, or you excluded someone in your household from coverage under your policy and he or she takes your car regardless. It is always a risk to lend your car to someone else, but there are things that can be done to protect yourself. Trusting someone with your car is also important. If you know that a friend or family member can be reckless or unsafe on the road as a driver, you may want to think twice before handing over your keys.

If you negligently entrust a person with your vehicle they are an unlicensed or inexperienced driver or under the influence of drugs or alcohol, you can be personally liable for that negligent entrustment. But what if they get into an accident while they are borrowing your car? What are the legal risks involved with that, and should you have thought about those risks before letting them borrow your car? After you loan someone your car and they get into an accident , you might be wondering who is liable in this situation.

When your friend or family member was at fault for an auto wreck while driving your car, the first aspect of legality will rely on whether or not they were driving your car with your permission. Use precise geolocation data. Select personalised content. Create a personalised content profile. Measure ad performance. Select basic ads. Create a personalised ads profile. Select personalised ads. Apply market research to generate audience insights. Measure content performance. Develop and improve products.

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