St Louis Car Accident Specialists
What happens if someone else is driving my car and gets into an accident? Find out from an experienced St. Louis car accident attorney.
Buchanan, Williams & O’Brien have been a trusted law firm serving Missourians for over 40 years.
- Committed to always treating clients with courtesy & respect
- Benefit from the unrivaled experience of our statewide team of lawyers
- Trust the proven success we’ve delivered to clients for decades
Does My Car Insurance Cover Other Drivers?
Most vehicle insurance policies will cover drivers you’ve specified on the policy or anybody you grant permission to drive your car. This implies that, in the case of an accident, your insurance policy will most probably support another driver as long as they have your consent to drive your car. However, keep in mind that some states may give lower coverage if you allow others to drive your vehicle.
Does Auto Insurance Cover Friends Driving My Car?
Auto insurance in most jurisdictions covers damage to a car regardless of who is driving it. Liability insurance pays for injury-related medical bills as well as damage to other drivers’ vehicles or property. Liability coverage generally protects you if the automobile you’re driving belongs to someone else, and it may also protect people who drive your car with your consent.
Confused about car accidents in St Louis? We are here to answer your questions.
How Can You Be Liable for Loaning Your Car to Someone?
In most cases, your auto insurance company will cover everyone in your home. This may include anybody in your home. It might include anyone who borrows your automobile if you permit them to do so, and it is allowed under state law. In rare cases, an adult household member can give themselves permission to drive your car and be covered by the car owner’s insurance policy (your insurance company’s policy).
If you loaned your automobile to a friend, roommate, neighbor, or someone who isn’t mentioned on your insurance, they would be protected if they just drove it sometimes. Otherwise, you must add that person to your insurance.
Am I Liable if Someone Else Driving My Car Gets into an Accident?
In car accident cases, there is a common misconception about these situations: when a driver who does not own the automobile is involved in an accident, the insurance policy covers them. This is entirely false. In the event of an accident, the insurance will cover the vehicle rather than the driver. This implies that even if you didn’t cause the accident, your insurance would kick in since your vehicle was involved.
Suppose the other driver in the collision was responsible, and the person driving your car was not negligent in any manner. In that case, the losses should be covered by the other driver’s insurance. It may differ if your family, friends, or family member was at fault for the accident.
Your insurance company will begin to pay off. You might be held responsible for the damages of the other driver. As a result, their injuries and losses will be covered by your own car insurance. This will be determined by your policy, mainly if the driver isn’t explicitly excluded.
This gets more complicated if another person was killed in the accident. If you find yourself in this situation you should contact a St. Louis wrongful death attorney immediately.
What Should You Do if Hit While Driving Someone Else’s Car?
You might be inclined to think that because you are not an authorized driver on the car owner’s policy, you are not eligible for insurance benefits. However, this is not always the case.
It is good to remember which insurance company will pay for your damages and medical bills. Suppose you’ve hit another vehicle while driving a borrowed car. The car owner would most likely submit a claim against the other party’s automobile insurance for the damage and repair of her vehicle, just as they would in any other accident liability case. If your injury losses exceed the PIP of her insurance policy limitations, you’ll have to seek reimbursement from the other driver’s insurance company as well.
You have to understand as well that if your friend suffered an accident with your car, they might get scared and might not properly recount the events that occurred, and the other party will use it to their advantage in the process. Anything is possible, and everything will be taken into account when dealing with car accidents, and as such, you need a proper car accident lawyer to help you out!
At Buchanan, Williams & O’Brien, we have over 40 years of experience dealing with all sorts of incidents, testified by the hundreds of clients we have served. Let our personal injury lawyers hear you out and fight for your rights. If you wish to have your case reviewed, contact us at (417) 623 – 0900 for a free consultation today!