Are you liable if someone else wrecks your car?
Before letting a friend borrow your car , you should know if they have insurance coverage. If it’s a stranger, then you will not be held liable for the other person’s injuries if there are any, but your collision coverage will be used to pay for your car’s damages.
What happens if someone else drives my car and gets in an accident?
You may think you’re covered for damages caused by another person driving your car because you have compulsory third party (CTP) insurance. Under comprehensive car insurance (and some other policies), you can claim cover for an unlisted driver, although you’ll have to pay an unlisted driver excess.
Who is responsible if someone wrecks your car?
If your friend is at-fault in an accident and has damaged your car , they are liable for the damage. If you don’t have insurance to cover the damage, or don’t wish to make a claim on your insurance, you can ask them to pay for the damage.
What happens if someone wrecks your car and they aren’t on your insurance?
If the accident isn’t your fault, then the responsible party should be liable to repair your vehicle or property. And even if the driver doesn’t have insurance , the good news is that you still may be able to cover your damages.
Can I get in trouble if someone drives my car without insurance?
It is your responsibility to ensure that they have a valid policy of insurance that would allow them to drive your vehicle . If you are convicted of causing or permitting someone to drive your vehicle without insurance , you will face the same penalty as though you had driven without insurance yourself.
Do I need insurance if I drive someone else’s car?
Your Comprehensive Car Insurance or Third Party Car Insurance policy is only attached to your vehicle . It doesn’t follow you when you drive other people’s cars . For someone else to be covered while driving your vehicle , they need to be on your policy as a listed driver.
How does insurance work when someone borrows your car?
When an insured drives someone else’s vehicle , such as a rental car , a dealership loaner, or a friend’s car , he is usually covered for liability insurance . As long as a driver has the vehicle owner’s permission to operate the vehicle , the owner’s policy will provide coverage no matter who the driver is.
Who is liable driver or owner?
An owner can be liable if the driver was an ‘agent’ of the owner . This is sometimes called ‘vicarious liability ‘. A person may be an agent of the owner if: the owner asks the driver to drive their car for the owner’s purpose.
Can someone sue me in a car accident?
Short answer: yes, someone can sue you for a car accident if you have insurance. But if you have insurance, you may not have to worry about it. Liability coverage includes paying for lawyers to defend you. It is also known as Personal Injury and Property Damage coverage.
Do I sue the driver or the owner?
California Vehicle Code Section 17150 states the civil liability for the accident lies with the other owner . The owner pays for the insurance. Therefore, the coverage also follows the vehicle and not the person.
How much does insurance go up after a wreck?
In short, accidents can increase insurance premiums for up to nine. Not only does a premium increase raise insurance costs , but multiple accidents can increase the financial burden as their premium increases compound.