If a family or friend member requests to borrow your vehicle, you may allow them to borrow the car without considering it. You probably believe in their driving abilities and believe they’ll be as safe driving your car the way you would and if not even more as it’s not their vehicle. What happens if they have an accident while borrowing your vehicle? Are there legal ramifications associated with this and have you considered those risks before permitting them to borrow your vehicle?
Our car accident attorneys of Pittman Roberts & Welsh, PLLC recognize that car accidents can be more complex than they appear, which is the reason our office is in handling cases in which you permit someone else to use your vehicle. With our assistance, you’ll be able to claim the compensation you’re due for the damage caused to the property.
Who Is Liable If They Crash Your Car?
If you lend someone your vehicle and they are involved in an accident and cause damage to your vehicle, you may be thinking about who is at fault in this case. If your family member was the cause of an accident when driving your vehicle the initial aspect of legality will be based on whether they drove your vehicle with your permission. If the driver was granted permission and was able to do so, the case isn’t as difficult as it might be. If they did not have permission from you, various other legal issues are at play.
If the driver you allowed to borrow your vehicle is the one who was responsible for the accident, they’re still liable even though they’re driving your car. If the police arrive at the scene, they may request your vehicle’s registration and will also record who was driving the vehicle.
If the other driver was to blame in the incident, and your family member or friend who borrowed your vehicle wasn’t for any reason, the insurance of the driver at fault is accountable for the damage that your car has sustained and any injuries your friend or a family member sustained.
Because it’s your vehicle that they drive and your insurance claim may become complicated because they’re not covered by your insurance policy to drive the car. Your policy covers you and your vehicle in the event of an accident therefore let’s look at what that might appear like in an insurance claim for property damage or personal injury resulting from the incident.
Where Does Your Insurance Come In?
While you may think you’re doing the right thing when you loan your vehicle to a family member or friend member that isn’t covered by insurance, you should to consider all possible scenarios if they are involved in an accident. Do you have the ability to pay the costs in the event of an accident in your vehicle? If not, then you may prefer to decline if they request to lend your vehicle.
In general, the insurance coverage you have is for your vehicle, therefore if you let your friend drive your car, your insurance policy will most likely be able to cover any damage caused by an accident in which they caused. Although your insurance may be used to pay for damages or injuries in the future, however, the policy you have for your car is the primary insurance for the incident, which means damages to your car in addition to that of the other vehicle as well as any injuries caused.
In Mississippi In Mississippi, your insurance for your car will cover at a minimum of $25,000 per person for each accident for bodily injuries as well as $50,000 per accident in the event of bodily injuries and $25,000 per accident to cover property damages. If an accident has resulted in property damage and injuries that are greater than these sums the insurance of your friend is likely to be used to pay for all the other costs. But if they don’t have insurance you could be liable for the extra costs. This is why it’s crucial to take a step back before allowing a friend to lend you your car.
Pittman Roberts & Welsh, PLLC offers You Legal Support
If a friend wrecks your vehicle while taking it out for a ride, you may be hesitant to claim them because they’re your friends. But, you trust them to not cause any damage to your vehicle. In Pittman Roberts & Welsh, PLLC We understand that it’s not an easy task and our car accident lawyers are available to address all of your concerns and assist you in your claim.
Contact at us at our location located in Jackson, MS, now to discuss the possibility of a claim and get started with a claim for an award as soon as you can.