Who Is Liable if Someone Else car wreck ?
In most cases, your vehicle insurance coverage applies to your vehicle more than you as a driver. the person who causes a vehicle accident is legally liable for all damages, including injury costs and property damage.
If someone else is driving your vehicle and another person causes the accident, the at-fault driver’s insurance is usually responsible for covering costs.
the driver of your car is at fault, your car insurance will usually cover damages. If you’re unsure how your specific coverage works, contact auto insurance carrier.
What if the Person Driving Your vehicle Has Their Own Insurance Policy?
If the person driving your vehicle has their own auto insurance policy, their coverage may act as secondary insurance to yours. Your own vehicle insurance would still be considered the primary coverage.
For example, let's say someone else driving your vehicle causes a vehicle accident. Since they were at fault with your vehicle , your insurance is responsible for damages.
But your policy only covers damages up to a certain dollar amount. If the accident costs more than your policy limit, then the insurance of the person driving your vehicle may cover the rest.
What if Your car Insurance Refuses to Pay for an Accident?
There are a few situations where your insurance may refuse to pay for damages if someone else was driving your vehicle :
- Someone takes your vehicle without your permission.
- The person driving your vehicle has been excluded from your insurance policy.
- The driver is under the influence of drugs, alcohol or does not have a valid license.
How Do You Prove You Gave Someone Permission to Drive Your car?
car accident attorney : It’s very hard to prove whether or not someone had permission to drive your vehicle . If you cannot prove that you did not give permission and an accident occurred, you may stumble upon a compensation payment.
You can also specifically leave someone out of your insurance policy if they have a bad driving record and you know it will increase your premiums.
If you let this person drive your vehicle and it causes an accident, your insurance will not have to pay for these damages.
Lastly, you will probably be liable for damages if the person driving your car is doing something illegal. Driving under the influence or not having a valid driver's license are great examples of this.
car accident attorney : What Should You Do After Someone Else car wreck lawyer ?
After a vehicle accident happens in your vehicle , even if it didn’t involve you, it’s important to act quickly. You will have two years from the date of the accident to seek damages after a personal injury accident, and that time can go quickly.
1- Call a car accident attorney
The first step is best to contact a car accident attorney. Since every vehicle accident is different, you may need legal counsel based on your situation.
If the accident was not the fault of the person driving your vehicle , an experienced attorney can make sure you seek compensation for damages.
Even if you weren’t physically in the car during the accident, the at-fault driver should be held responsible for damages. The person driving your vehicle may have injuries, and there is likely property damage to your vehicle.
Insurance companies will look for ways to pay out less than the accident costs are worth. A vehicle accident lawyers can help protect your rights and fight for the recovery you deserve.
2- Understand Your Coverage
You should also make sure that you understand the rules of your insurance policy and what it covers. Your lawyer can look into this for you, as well.
3- Document the Accident
Make sure that you or the driver calls the police immediately after the accident. Not only is this a legal requirement, but it will also create an accident record for your insurance claim.
If you are in a car accident attorney, take notes and photos. Photographing the scene of the accident, injuries and property damage.
If you were not in the accident, make sure that the driver of your car documents these things. You can also talk with any witnesses about what they saw and get their names and contact information.