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Getting into an Accident in A Friend’s Car – Legal Implications

Posted on by Sri

There is no time and place for an accident – it can happen to you when you are driving a friend’s car or family member’s car. So what happens in this situation? As, one can imagine, this type of an accident creates a situation that can be confusing for some.

As the driver of the vehicle, you may think that the responsibility lies with you, because, after all, you were behind the wheel and got involved in the incident. But, there is also the other thought that you are driving someone else’s vehicle and they have iphone spy software given you permission to use their vehicle.

The fact of the matter is that primary financial and legal responsibility for the auto accident will always be on you as you were the driver. The owner of the vehicle can also be held financially responsible as it was they who allowed you to use the vehicle. In majority of the cases, the policy of the car owner will invoke. This is the reason a lot of people make the false assumption that the coverage follows the vehicle.

Despite what many people think, car liability insurance doesn’t automatically follow the vehicle. A car can’t drive itself. The liability insurance follows the stated insureds liabilities according to law that may come out of car ownership or car operation. This might or might not include another driver. Liability will follow the stated insureds, while coverage for property will follow the car.

According to law, it is your responsibility as the operator cell phone spy master of the vehicle to have with you proof of financial responsibility when you are on a public road no matter who owns the vehicle. You don’t get an exemption from this rule if you order essay online are not the owner of the vehicle.

Based on the insurance policy that the owner has selected, another driver may not have insurance coverage. A standard policy usually offers coverage to other drivers who have not committed a crime. Policies, such as a “Limited Policy” or a “Named Driver Policy” may be better in terms of costs in some cases but it will cover other permitted drivers.
Contact your insurer to get appropriate coverage. It’s not a good idea to make broad assumptions regarding your financial responsibilities. If you have to drive a vehicle that you don’t own, remember to verify insurance coverage before getting behind the wheel or check your own policy to ensure that you will be followed as a named insured driver to a loaner or replacement car.
Different states have different insurance regulations. You should consult a local insurance agent for information, as they will be most familiar with the regulations. It is also advisable to contact a car accident lawyer. Car accident attorneys are experienced in dealing with different types of car accidents. There are certain laws that may impact both the driver and/or the policyholder. This is the reason why it’s so important to understand the rules of the road. Let’s face it, accidents happen whether we like them or not. There are some proactive steps drivers can take to avoid car accidents, but if you have been in a car accident driving your friend’s car, the aftermath can be a messy process. Contact your attorney and car insurance representative in order to address the situation immediately.

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