Driving someone else’s car can be risky and costly if you’re ever involved in an accident. no matter how carefully you drive, the unexpected can happen. Also, there are some important things to consider before you get behind the wheel of someone else’s vehicle.
At the top of that list is who is really responsible if you are involved in an accident. we explain your responsibility below.
what do most insurance providers allow?
Many standard insurance policies allow permissive use, which means that drivers who are not listed on a policy can drive a vehicle periodically.
Most insurers define periodic as less than 12 times a year. Although auto insurance generally follows the vehicle and not the driver, if you drive the vehicle more than 12 times a year, it’s best to be on the insurance policy.
who is responsible for the damage?
To determine who is liable for damages if you are driving someone else’s car, consider the following questions.
Was it a multi-car accident?
If you cause an accident in your friend’s vehicle, his insurance provider will likely pay for the damage. however, if the total damage cost exceeds your friend’s policy limit, your insurance provider may be responsible for paying the difference.
For example, let’s say you’re driving your friend’s car. you cause an accident, and the total damages equal $15,000. If your friend’s policy covers damage to the vehicle up to only $10,000, your insurance policy can be used to cover the remaining $5,000 in damage.
was it a single vehicle accident?
If you are involved in a car accident, your friend’s insurance will cover damage to the vehicle if collision coverage is included.
Collision insurance covers the vehicle in case you hit another object, such as a tree, pole, or house. once the deductible has been met, the insurance company pays the remaining cost of the repairs.
Did you drive your friend’s car without permission?
If you took a friend’s car without their knowledge, you could be considered a non-permissive user. you will be responsible for all damages. if you have collision insurance, it can be used to cover the cost of damage.
what will the insurance cover?
Coverage under an insurance policy may include:
- Collision coverage: This pays for vehicle repairs after the deductible.
- Bodily Injury Liability: This type of insurance coverage pays for the injury or death of another person in a car accident.
- Property Damage Liability: This coverage pays if you are responsible for damage to someone else’s property.
- Medical payments coverage: The driver’s medical expenses will be covered regardless of who is at fault. there is usually a limit to the amount that will be covered. coverage amounts vary by insurance company and insurance policy.
- $25,000 Property Damage: This is the maximum amount a policy will pay for all damaged property, including vehicles, as a result of a covered accident.
- $25,000 bodily injury per person: This is the maximum amount the policy will pay to anyone who is involved in the accident and sustains an injury. Although this is the maximum amount, that does not mean that all the people injured in the accident will receive this total amount. they could possibly receive much less.
- $50,000 bodily injury per accident: This is the maximum amount the policy will pay for all injuries that were caused by the accident. If there were two or six people injured, this is the combined maximum amount the insurance company will pay.
what are the insurance minimums in alabama?
If you own and drive a vehicle in Alabama, the Alabama Department of Revenue’s Division of Motor Vehicles requires property damage and bodily injury liability coverage. The amounts listed below are the minimum amounts of insurance coverage a driver must have on each vehicle.
how to take precautions when driving a friend’s vehicle
It’s always wise to think about the possible consequences before borrowing someone’s car if they don’t have insurance. Driving without insurance in the state of Alabama is considered a misdemeanor. If caught, that misdemeanor can result in a fine, suspended license, and even jail time.
If you decide to borrow a friend’s car, it’s a good idea to review both your insurance policy and your friend’s insurance policy. it’s an even better idea to talk to your insurance agents to answer any questions about what’s covered by individual policies.
Still, accidents happen. If you or a loved one has been involved in an accident, call the attorneys at Timberlake & league. we can help.