One more consideration is how long you’re borrowing your buddy’s car. If you take this definition, if a relative gives you permission to drive his car, you’re covered by his car insurance policy – just so long as your other actions while you were using the car also fall within policy guidelines. You’ll want to look for the definition of an “insured person” to get an idea of who’s covered.įor instance, an “insured person” may be any person that drives the car with the permission of the driver or a relative of the driver. Any auto policy will strictly define who it covers, and you can look it up in the definitions section of the policy. If you only borrow your friend’s car once in a while, or very irregularly, most likely your friend’s policy will cover you when you drive the car. If your friend lets you borrow his car, will his auto insurance cover you? In most cases, it depends on what you’re using the car for and how much you’re using it. There is never a fee unless you receive compensation.Sam from Glendale, CA asks, “Are You Covered If You Take Your Buddy’s Car For A Ride?” We serve those in the Chesapeake, Hampton, Newport News, Norfolk, Portsmouth, Suffolk, and Virginia Beach areas. ![]() Schedule a free consultation today by calling, texting, or submitting our online contact form. If someone else borrowed your car and got into an accident, an experienced car accident attorney at Rutter Mills will protect your rights and negotiate with the insurance company. Keep in mind these relatives are excluded and do not permit them to use your car. That is usually because these family members are either high-risk drivers or lack experience. For example, if the person to whom the car was lent did not have a valid driver’s license, or if their policy specifically excluded them.Įxcluded drivers are family members who were not added to the policy. His auto insurance will also not kick in because he did not have permission to use your vehicle in this manner.Ī car accident lawyer knows there are other exceptions in which your car insurance will not cover damages. Your insurance will not cover him because you did not let him borrow the car to take a more extended trip. He decides to visit friends an hour away and gets into an accident. If the other driver did not have the owner’s consent to use the vehicle or use it for a particular purpose, under state law, the car is considered uninsured.įor example, you gave your brother permission to take your car to pick up groceries. That is true as long as the driver had the owner’s permission to use the car. The other driver’s car insurance may come into play in such an accident, but only if the owner’s insurance was insufficient to pay all damages. The Other Driver’s InsuranceĬar insurance follows the vehicle, not the driver. Our car accident lawyers at Rutter Mills can pursue any damages owed based on the circumstances of the collision. These various scenarios often become complicated under Virginia law. Your car insurance should cover property damage to the vehicle. If someone steals your car and gets into an accident, you are not liable for any injuries. Exclusions, such as driving while under the influence, apply. There are exceptions, such as the condition of the driver at the time of the crash. If the driver of your car was at fault, your car insurance will likely cover damages. If the other driver was at fault, their insurance company should pay for damages. ![]() You let someone borrow your car, and they got in an accident.
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