What If I Get Into a Car Accident in Someone Else’s Car?

by | Nov 10, 2020 | Car Accidents | 0 comments

After a car accident, it is fairly clear cut that once fault is determined, either your or the other driver’s car insurance company should cover damages. Crashes happen all the time, but what happens when a friend borrowing your vehicle is involved in an accident? Or vice versa: what happens if you get into an accident while driving a friend’s car? There are many factors to think of when this happens. Keep reading to find out how to handle this type of situation.

My Friend Was in a Car Accident When Driving My Car

Many don’t think twice when loaning their vehicle to a friend or family member for a brief period. It’s important to know that your insurance will not cover them. Insurance applies to the car itself. If someone is involved in an accident in your vehicle, your insurance will still apply to the car, but not to the driver.

If the person involved in the accident has their own insurance, the driver’s insurance will represent and defend them, while your insurance will represent and defend you. If your friend has no insurance, your insurance may only defend the driver on the policy (you). There may be a personal financial risk to you. If a lawsuit pins the fault on your friend, you have personal financial responsibility as the vehicle owner. However, if neither you nor your friend is insured, the person injured could sue both you (the vehicle owner) and your friend (the driver).

Generally, an owner who allows another driver access to their vehicle is liable for the driver’s negligence behind the wheel. But, if the vehicle owner did not provide permission, they may not be responsible for the accident.

Does My Car Insurance Cover Other Drivers?

Car insurance will cover other drivers when you permit them to drive your vehicle, but it will only protect you up to the amount of your policy. If a case is not settled within policy limits, you, as the vehicle’s owner, could be responsible for paying large fines that otherwise could have been avoided. You should know your insurance policy’s rules and what it covers before loaning your car to a friend. Likewise, consider asking your friend about their policy before you borrow their car.

What to Do If Someone Else Crashes My Car

It’s essential to act quickly after an accident, whether someone crashed your car or you crashed someone else’s car. However, there may be a lot going through your head, so here are a few things to remember:

Contact a Car Accident Lawyer

The best first step is always to contact a car accident lawyer. Not all car accidents are the same, and a lawyer can assist with legal counsel based on your specific situation. If the accident was not the driver’s fault, an attorney might be able to seek compensatory damages.

Document the Accident

Make sure either you or your friend calls the police after the accident. This will create a legal report for the insurance company. If you were in the car, take notes and photos of the scene, damages, and injuries.

Contact the Attorneys at Michigan Legal Center

Have you recently caused a car accident in a vehicle other than your own, or has a friend crashed your car? Consider contacting the attorneys at Michigan Legal Center. A knowledgeable attorney will fight for you. Our attorneys have more than 20 years of experience and are here to help you answer any questions you may have. Call us at 1-800-961-8477 or contact us today to receive your free consultation.

Christopher Trainor and Associates Featured on WXYZ

Recently Christopher Trainor and Associates was featured on WXYZ 7 Action News in Detroit regarding a client's case against the Detroit Police Department in which the client was wrongly arrested and held in jail. The full article and can be found on the WXYZ website.

St Joseph, MI – Injuries Result from Wreck on I-94 near Martin Luther King Dr

St Joseph, MI (March 25, 2022) - A major car crash happened on an interstate in St Joseph on the afternoon of March 20. At approximately 5:10 p.m., an unspecified number of vehicles collided on Interstate 94. Reports show the accident happened on I-94 near Martin...

Zeeland, MI – Auto Accident on Fairview Rd at Washington Ave Ends in Injuries

Zeeland, MI (March 25, 2022) - An auto accident happened on the morning of March 25 in Zeeland that resulted in injuries. The wreck occurred shortly after 8:00 a.m., according to reports.  Sources say the collision took place on Fairview Road near Washington...

Paw Paw, MI – Major Car Crash on M-43 between 37th & 40th St

Paw Paw, MI (March 25, 2022) - A motor vehicle accident occurred in Paw Paw on the morning of March 23 that required an emergency response. The incident was reported to authorities in the area at around 12:21 p.m. Various responders were observed at the scene of the...

Romulus, MI – Motor Vehicle Collision Causes Injuries on I-94 near Vining Rd

Romulus, MI (March 25, 2022) - At least one person was hurt in a crash reported in Romulus on March 25. At approximately 12:55 p.m., police were dispatched to the scene of the wreck located on Interstate 94.  Responders including paramedics, fire crews, and...

Holland, MI – Injury Accident on Waverly Rd at 48th St Requires EMT Dispatch

Holland, MI (March 25, 2022) - On the morning of March 25, at approximately 6:55 a.m., a car accident in Holland required an emergency dispatch.  Reports indicate that a vehicle collided with a pole near 48th Street on Waverly Road.  To assist the injured...

Jackson, MI – Serious Car Accident on M-106 near Deweese Rd and Hawkins Rd

Jackson, MI (March 25, 2022) - Police officers in Jackson were dispatched to the scene of a major car crash on Friday, March 25. According to local officials, the collision happened at approximately 4:00 p.m. on M-106. While emergency personnel rendered aid to those...

Detroit, MI – Police Dispatched to Crash Scene on I-96 near Davison St

Detroit, MI (March 25, 2022) - On March 25, at least one person was injured in a car accident in Detroit. The wreck was reported to officials in the area at approximately 10:50 p.m. According to information from reports, the accident occurred on I-96 near Davison...

Wyoming, MI – Major Accident on 28th St near Clyde Park Ave

Wyoming, MI (March 24, 2022) - Highway patrol officers and first responders were called to the scene of a vehicle collision on March 24 on 28th Street in Wyoming. Reports show that an unspecified number of vehicles collided in the area, resulting in the injury of at...

St Clair, MI – Siblings Killed in Wreck on Kinney Rd near Burt Rd

St Clair, MI (March 24, 2022) - A brother and sister were killed in a two-car crash on Thursday, March 24 in Riley Township. The incident was reported north of Interstate 69 on Kinney Road near Burt Road.  Three people were also hospitalized with injuries,...