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Posted On December 20, 2021

What Happens if Someone Else Is Driving My Car and Gets in an Accident?

If a driver gets into an accident while driving a borrowed car, the owner’s insurance coverage will likely cover any damage to the car and injuries to the driver, but only up to a certain limit. The driver must have obtained permission from the owner for the claim to succeed. The driver may be liable for any damage that surpasses the car owner’s coverage limits.

What Does the Insurance Cover when Accidents Involving Borrowed Vehicles Occur?

The auto insurance will pay for damages and common car crash injuries sustained by individuals included in the insurance policy, such as family members or spouses. It’ll also compensate individuals who had explicit permission to drive the crashed vehicle.

Who is a Permitted Driver?

In Nevada, insurance operates on a policy where auto insurance always follows the car, not the driver. Permitted drivers enjoy almost the same rights and privileges as the vehicle’s owner would when in an accident. There is, however, a limit to the benefits received by the driver of the borrowed car.

Family Members or Spouses

The insurance is liable to pay if a licensed family member or spouse was driving the car at the time of the accident. Car accident lawyer Christopher Burk can help a car owner in such a situation understand his or her rights and options.  

When Will Insurance Deny Coverage for an Accident Caused by Someone Else Driving a Covered Vehicle?

When the Driver Has No Permission

If an unpermitted driver was in control of the vehicle at the time of the accident, the insurance company may deny coverage. If the unpermitted driver doesn’t also have insurance coverage, the owner has a right to file a claim with his or her insurance company to pay for the damage caused by the unpermitted driver.

When the Person who Caused the Accident was Excluded from Coverage

If the person who got into an accident in a borrowed car was excluded from the owner’s auto insurance policy, the insurer won’t pay. Even if the excluded driver had explicit permission from the owner, the insurer will still deny coverage.

Impact on Insurance Premiums

A car owner risks getting higher insurance rates if someone else crashes his or her vehicle. Moving forward, the insurance company deems the owner to be high-risk and raises the premiums to safeguard its interests.

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