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.

Dearborn, MI – Fatal Rear-End Wreck Occurs at Telegraph & Carlysle

Dearborn, MI (September 26, 2023) - Officers from the Dearborn Police Department received a collision alert after a local dentist and father of five was killed in a local accident. The 41-year-old man was involved in a crash on Telegraph and suffered a medical...

Detroit, MI – Injury-Causing Crash on I-75 at McNichols

Detroit, MI (September 26, 2023) - An initial accident alert and notice from the Detroit Police Department states that local police and emergency medical technicians were called to a multiple-vehicle wreck that happened on Tuesday, September 26. The Michigan State...

Detroit, MI – Multi-Vehicle Collision w/Injuries on I-696 at Mound Rd

Detroit, MI (September 26, 2023) - On Tuesday morning, September 26, police were dispatched to a collision involving two to three vehicles in the Detroit metropolitan area. On Tuesday at approximately 5:30 a.m., an accident occurred on eastbound I-696 after the Mound...

Zeeland, MI – Two Injured in Two-Car Wreck on Byron Rd

Zeeland, MI (September 26, 2023) - On Tuesday morning, shortly before dawn, there was an accident between Zeeland and Jamestown that left two people hurt. Deputies and other emergency personnel were called to the intersection of Byron Road and 48th Avenue in Ottawa...

Detroit, MI – I-75 Site of Vehicle Wreck, Injuries at Outer Dr

Detroit, MI (September 26, 2023) - On Tuesday, September 26, at least one person was hurt in a collision involving two or three vehicles traveling north on Interstate 75 in the city of Detroit. An accident happened in the northbound lanes of Interstate 75 close to the...

Lowell, MI – Man Killed in Head-on Wreck Near Heim St

Lowell, MI (September 26, 2023) - The Kent County Sheriff's Office has provided further information on the fatal accident that closed a Lowell roadway on Monday afternoon. The incident occurred on Fallasburg Park Road between Heim Street and Lincoln Lake Avenue at...

Detroit, MI – Injury Auto Accident on I-96 at Milford

Detroit, MI (September 26, 2023) - On Tuesday, September 26, during the late afternoon, a collision involving two or three drivers on Interstate 96 in Detroit resulted in at least one injury. The crash happened on westbound I-96 at Milford around 5:30 p.m. When Wayne...

Grand Rapids, MI – One Dead, Others Hurt in I-96 Accident at M-6

Grand Rapids, MI (September 26, 2023) - One person is dead following a crash on I-96 in Grand Rapids. Officers say that the crash happened Tuesday west of Michigan Highway 6. According to the Michigan State Police, a pickup truck, driven by a 28-year-old woman, was...

Detroit, MI – Auto Accident, Injuries on M-39 at I-96

Detroit, MI (September 25, 2023) - At least one person was hurt in a crash involving two or three vehicles that occurred on Highway 39 in Detroit on Monday, September 25. The incident occurred around 5:30 p.m. on southbound M-39 following I-96. The scene of the...

Detroit, MI – Truck Wreck, Rollover Causes Injury on 18 Mile at Van Dyke

Detroit, MI (September 25, 2023) - Officers from the Detroit Police Department received a collision alert and an injury report at the site of a truck rollover and vehicle collision on 18 Mile Road on Monday, September 25. An accident happened on 18 Mile at Van Dyke...