It is not uncommon to let a friend or a loved one borrow your car. But if they were to get into a crash, who would pay for the damages caused by the collision? After a normal crash, dealing with insurance companies can be complicated. If you weren’t even the one driving, it can suddenly get more confusing. For that reason, you should consult with a Texas personal injury attorney. Only a professional will be able to better explain who is liable, and why for your unique situation.
Who Covers the Damages?
People are often confused when it comes to their car insurance. What or who is covered? Does your insurance cover the individual driver, or does it cover the vehicle? In Texas, the car owner will usually be held liable for damages caused to their car. Even if they weren’t the person driving when the crash occurred. Let’s say you let your friend borrow your car. Unfortunately, they have a bad habit of distracted driving, and it causes a crash. You would still be the person liable for the damages. There are a few expectations of this rule. However, you would have to prove that you did not give the other driver permission to use your car. So, if your car was stolen, you wouldn’t be liable for an accident that occurred.
What happens if your insurance doesn’t fully cover the cost of the damages? In this case, the person driving could get their insurance to cover the remaining cost. However, if their insurance can’t cover what’s left, they might have to pay the damages with their own money.
In a Serious Car Crash? Contact The Law Giant for Help
Any car crash can leave you feeling overwhelmed and unsure of what to do next. After receiving medical attention, contact Begum Law Group right away. We can handle the legalities of your case while you focus on recovering. With our skilled legal representation by your side, you may be able to secure full and fair compensation for your damages. Contact us at (866) 523-4167 to schedule a free case evaluation.