USA - Insurance : Quotes

Are you liable if someone drives your car?

Last Updated: Tuesday, February 14, 2012

Do you have a vehicle? Are you a very good driver? And are you a responsible one? Well, there are many instances when a diverse person drives a vehicle other than his own – a company driver, a private driver, a friend borrowing his friend's auto, a valet at a pricey hotel or at a casino. Some company drivers are taking turns when they are in for a lengthy drive. A lot more often than not, these arrangements go nicely. Unfortunately, there are instances when they meet an accident. After such accident, if you own the auto they are driving, you then tend to ask yourself whether you are liable or not.
 
Most of the times the USA auto insurance providers cover the expenses of the car but not the liability of the driver in the vehicle at the time of the accident. The common rule is that the owner of the car is the one who will be answering to the claims of the other, but there are exceptions to that rule. Your auto insurance will cover for your car. The other driver's insurance will kick in if and when the damage brought on exceeds your coverage quantity. As soon as you are informed by the individual driving your automobile that he met an accident, you ought to immediately notify your insurance company.
 
When you lend your vehicle to a friend, and he meets an accident, your insurance company would probably boost your rates. You, as the owner of the vehicle, are responsible even if you gave permission to the other individual to drive your auto. If your friend could prove that he was not at fault, most likely the other driver's insurance policy would cover for the damages he brought on to your automobile. And it may possibly not have a massive impact on your rates. A car crash can have a negative impact on your rates as a policyholder, that is why it is crucial to note that lending cars to those individuals you don't completely trust is a bad idea.
 
Supposing your neighbor borrowed your vehicle keys because he wanted to see the interiors of your auto when in reality he stole it and took it for a ride, without your permission and meets an accident, you will not be responsible for the harm your neighbor brought on. Or when a thief stole your auto and met an accident en route to escape, you will not be held liable for the damages caused. By the time you discover that your automobile has been stolen, you need to report it to the nearby authorities quickly. Why are you not liable? The explanation is basic. You can not be held liable simply because you did not give your permission for them to drive your car. Realistically, who in their proper mind would give permission to a well known thief to drive their car – no one, correct? These instances take place every year, that is why you really should know your responsibilities.