Should I Allow my Friend to Drive my Car?
We oftentimes allow people to drive our cars without any thought of repercussions. This likely has to do with the fact that we trust that others will treat our property with as much care as they do their own. However, true to form, motor vehicle accidents can and do happen; even when people are doing their best to be careful. Today the team of accident attorneys at Silverthorne Attorneys is going to go over what it means if someone who is not on your car insurance policy gets into a motor vehicle accident with your car. What it means for you and them if they are deemed the at-fault party in the accident and what happens next. Like anything else, when you need the advice of an accident attorney, do not hesitate to contact our office to discuss your case. Consultations with the team at Silverthorne Attorneys are free!
Can Someone NOT on Your Insurance Drive Your Car?
The short answer, of course. While it is not against the law to allow someone who is not on your insurance policy to drive your vehicle, you do want to be smart about it. Meaning, you want to make sure that they have insurance of their own. With that being said, if someone gets into an accident in your vehicle and they are deemed the party at-fault, it will typically be your insurance policy that will pay for any damages. on the flip side, if the driver of your car is the at-fault party, their insurance will likely cover personal injuries or medical expenses accrued due to the incident.
Another interesting aspect of this is the fact that while your insurance will likely fit the bill for any damages caused in the incident, if the person who borrowed your car has their own insurance, their policy may act as a supplemental to yours; this will be especially important if the damages caused by your car are more than what your policy will cover.
If you have automobile liability coverage, this may help pay for the other driver’s medical bills or damaged car. This is in case the person you allow drive your car does not have liability coverage on their policy.
Check your insurance policy and be aware of the liability issues that may arise should someone get into an accident who is not on your insurance.
Click the following link for information on Common Insurance Myths.
What Happens if an Employee Borrows Your Vehicle?
In an ideal world, if you employ a nanny or nurse or anyone who will likely be using any one of your vehicles for transportation, you are going to want to add them to your insurance policy. This is not unlike having a teen who just got their license and adding them on as an additional driver. Even if they have their own insurance policy there is no harm in adding them on as an extra driver to your policy. Your premium may increase slightly, however, if they are not on your insurance at the time of the accident that was caused by them, it will cost you a pretty penny to pay for the damages they have done to another vehicle. That being said, some insurance policies may not even cover the damage done if the driver is not on your insurance; meaning that you will likely have to pay any damages (medical, personal injury, property, etc.) out of pocket.
Things to Think About
Did you know that your liability coverage insurance policy will not pay for your friend’s medical bills or the damage done to your vehicle at the time of the accident. This is, of course, if the person who caused the accident was the one borrowing your vehicle. However, if you carry collision coverage, this may help pay for repairs to your vehicle. If there is a deductible, you will have to meet that before your insurance policy kicks in.
There is nothing wrong with allowing someone to borrow your car or even allow a friend to drive your car while you are riding shot-gun. You just need to remember the importance of knowing your insurance policy and practicing safe and defensive driving skills. Motor vehicle accidents can cause a lot of damage; physical, emotional, and even financial damage if you are not careful.
Injured in a Motor Vehicle Accident? Contact an Accident Attorney today!
The team at Silverthorne Attorneys knows all too well how insurance companies work. We know that they have the propensity to be ruthless when it comes to insurance claims. for instance, our firm has seen them deny a claim just because they didn’t want to have to pay out. Make no mistake, insurance companies and adjusters are in the money making (and saving) business and they lose money if their insured caused an accident that left someone injured. They use tactics that are borderline bullying and unfair.
Silverthorne Attorneys has been dealing with them since beginning our practice in 2012; we have zero problem taking them on and in a good deal of cases, winning. We have been able to recover multiple seven-figure settlements for our clients who have been injured due to someone else’s negligence. and we never back down when we feel that our clients are being taken advantage of. We never take on a case just to make a quick buck; in fact we run on the idea of a boutique law firm that believes every case is unique and no one injury is the same.
When you are in need of a team of attorneys who will put your needs first, contact us to discuss your case. Consultations with one of our attorneys are free!