Reach Out to a Licensed Lawyer Today If you gave permission to someone to borrow your vehicle, and that person was involved in an accident, having a licensed attorney on your side could be beneficial. Call us today to schedule a no-cost evaluation of your claim and you will not have to pay lawyer fees unless we recover compensation on your behalf.
Jan 15, 2019 · As long the owner of the car has coverage, generally speaking, it will follow the car in most situations. The owner’s car insurance is the primary coverage that would apply if a crash occurred. The driver’s insurance would act as secondary insurance if necessary. Keep in mind, insurance matters are typically covered by state law, so be sure ...
Jul 13, 2021 · Step One: File a Police Report. Often, after an accident, one party will call the police to file an official report. Hopefully, this will have already occurred prior to your hearing about the crash. However, if a police report was not filed, then get this taken care of as soon as possible. You should also obtain a copy of the report when it ...
Car owners need to understand liability laws when they decide to loan out their vehicle to prepare for the possibility that the borrower could be involved in an unforeseen car accident. Owners will want to make sure they are adequately protected from liability in the event the person they lend their vehicle to causes an accident.
If you were injured by a driver who borrowed a vehicle from someone else, the experienced Murfreesboro personal injury attorneys at Kidwell, South, Beasley & Haley can analyze the particular circumstances involved in your claim to determine all potentially liable parties. We bring more than 40 years of experience to the table and put this experience to use on your claim to …
Before covering what to do after a borrowed car accident, it is important to discuss your insurance policy. South Carolina requires all drivers to purchase minimum auto liability insurance coverage. This minimum requirement covers bodily injury, property damage, and uninsured motorist incidents.
So, a member of your household or other permissive driver borrowed your car and got into an accident. What now? Of course, the first thing to do is check in with this person to make sure they are okay. Then, you should take the following steps:
Often, after an accident, one party will call the police to file an official report. Hopefully, this will have already occurred prior to your hearing about the crash. However, if a police report was not filed, then get this taken care of as soon as possible. You should also obtain a copy of the report when it becomes available.
Next, you will want to inform your auto insurance carrier of the accident. You should let them know that this was a borrowed car accident. With this information, they can review the terms of your policy to determine coverage. Since the crash involved your car, you will be responsible for filing a claim with your auto insurance company.
Like any auto accident, a lot depends on proving fault in a borrowed car accident case. This is where seeking legal advice from a lawyer can help, whether you are pursuing or fighting a claim.
Auto accidents are never pleasant. Unfortunately, dealing with an insurance company and the legal system afterwards can be equally as unpleasant. That is why our South Carolina car accident lawyers take on these extra burdens for our clients. If you would like to learn more about our services, then get in touch with us today.
It’s a common misconception that car insurance is attached to the driver who owns the policy rather than the vehicle the policy covers. In contrast, insurance follows the vehicle that is insured regardless of who is in control of the car.
New Jersey’s laws require drivers to carry personal injury protection insurance that will help go towards medical bills when someone is injured in an accident. This insurance can be used regardless of who is at fault, but this type of protection does follow the driver and not the car.
There are a number of steps you need to take after you or a friend has been involved in a car accident in your vehicle that will help protect your rights.
Under Tennessee law, the registered owner of a vehicle can be held liable if his or her vehicle is used. Proof of ownership of the vehicle that caused an accident provides a legal assumption that the vehicle was operated under the owner’s authority, knowledge and consent and that the vehicle was operated in a manner to benefit the owner. This concept can apply to vehicles that are used in a variety of situations, including:
If an owner of a vehicle entrusted a dangerous instrument (including a vehicle) to someone, the owner may be held liable for a resulting accident due to the legal principle known as “negligent entrustment.” The registered owner of a vehicle may be liable for an accident if he or she knew that the driver would potentially act in a negligent manner, such as when the owner knew the driver was not licensed, was an inexperienced driver, was not a responsible driver, was drunk or had a bad driving history.
Some common examples of negligent entrustment could include: 1 You were aware that the borrower had a suspended license 2 You loaned your vehicle to someone who has a history of accidents and traffic violations 3 The driver is under the influence of alcohol or drugs 4 The driver is under the legal driving age
Car owners often loan their vehicles to friends or family members without thinking of who may be liable if that person gets into an accident. That is why it is important to know whether the person borrowing your car is a safe, responsible driver.
If their vehicle is completely ruined in a car accident, they will have to work with their insurance company to get their total loss claim processed. The process of getting compensated by an insurance company for a wrecked vehicle often involves the driver giving the insurance company some form of power of attorney.
Insurance companies ask for power of attorney in order to legally move the vehicle's title without having to get the owner's explicit permission each time the company needs to fill out a form, or so the company can sell the totaled vehicle to a salvage yard to compensate the driver.
Additionally, the language in your insurance contract generally requires you to report any accident to your insurer, regardless of who is at fault. This also helps if the other insurance company is slow to take action on fixing your car.
However, if your vehicle was damaged as well as theirs, then you will need to pay your colli sion deductible so that your car can get repaired. You'll get your deductible back if your insurance company collects from the other driver's insurance company. This process is called “ subrogation .”.
Property damage is injury or harm to anything other than a person, basically. This could include a car, tree, home, fence or anything else you could think of. This could also include items inside of an automobile, like technical equipment or things you were carrying with you (e.g., textbooks, a laptop or a car seat for your child).
If you plan on letting other people borrow your car, make sure your vehicle registration and proof of insurance are in the glove box before they hit the road. Also, make sure everyone involved has their own auto insurance, if at all possible. That way, you’ll be as fully covered as possible should an accident happen.
In most states, a car's owner isn’t liable if they didn’t provide permission for the use of their vehicle. So, by borrowing the car without permission, you may be in big trouble. You’ve opened yourself up to liability, a lawsuit and a potential charge of being in possession of stolen property.
A rule of thumb to remember in this situation is “car insurance follows the car, not the driver.”. It’s still a good idea to make sure whoever drives your car has their own insurance policy, though. Their coverage can help pay for damage caused by an at-fault accident, in certain circumstances. In this article, we answer some ...
When an accident occurs, the vehicle whose driver was at fault for the crash is covered by its own car insurance policy. If the policy doesn’t include collision coverage, it won’t cover damages to the car. Also, the vehicle’s deductible will apply. The vehicle owner and the at-fault driver will need to decide who pays the deductible.
Your car insurance won’t go up if you loan your vehicle to someone and they get a ticket or citation. Traffic violations go directly onto the license of the driver, not the license of the car’s owner. If the person who borrows your car has insurance, though, the incident might affect their rates.
They weren't driving. However, since you don’t own a car, there’s no need for your own auto insurance because you have nothing to insure. However, if you plan to borrow other peoples’ cars often and those cars aren’t insured, talk to an insurance agent.
A mechanic misdiagnosis, also known as a “faulty diagnosis” or simply as a “mistaken repair”, occurs when a mechanic does not identify the true problem.
Mechanic liability insurance is a specific type of insurance policy that is meant to protect mechanics and auto repair shops from liabilities that may arise as a result of unexpected accidents like property damage to a vehicle, faulty repairs, or if a customer waiting to pick up their car gets injured in the repair shop.
As is evident from the above discussion, when you leave your car at a repair shop, the mechanic working on your vehicle can be held liable for actions that fall below a certain level of care.