One of the more common and asked about accident scenarios involves payment for damages when a friend, relative, or other are involved in an accident while driving your car. While each case is unique, there are certain rules implemented by insurance companies that typically apply.
Who Was Driving?
First and foremost, the insurance company will look at your relationship to the person operating your vehicle and whether permission was given to operate said automobile. Many insurance policies specifically exclude relatives and family members living in your household from being covered unless that family member is designated and named in the policy. If a family member living with you at the time you took out the policy is not named in said policy, then your insurance company will not cover any damages stemming from an accident in which they were operating your car.
If a friend, co-worker, etc. is operating your car and is involved in an accident, then usually your insurance company will pay any accident related damages. After the damages are paid, your insurance company can seek reimbursement from the driver’s own insurance policy or directly from the driver.
While it may seem obvious, it is worth noting, that if your vehicle is stolen and involved in an accident then your insurance provider will cover any damages.
Accidents With Serious Injuries
Things can get confusing when someone operating your vehicle is found to be at fault in an accident causing serious injuries. In this instance, your insurance company will pay for damages up to the amount of your policy limits, and the driver of your automobile will also be responsible for additional damages through his/her own coverage. Basically, there will be two separate insurance policies contributing to cover damages.
From our experience as personal injury and auto accident attorneys in Memphis, TN, we can tell you that the best way to protect yourself is to take out a full coverage policy with as much coverage as you can afford. Accidents happen, whether you are actually driving or not, and having adequate insurance can prevent a lot of worry and stress.
To learn more about uninsured auto accidents
For information on damages related to auto accidents
Chiozza Law Firm
Besides having adequate insurance on your vehicle, the next best thing you can do for protection and peace of mind is to have the right law firm to lean on for legal advice and guidance. If you are confused or unsure about what steps to take following a car accident, please fill out our online form or call 901-526-9494 to speak with a member of The Chiozza Law Firm. For a free in-person consultation feel free to stop by our downtown office at your convenience- no appointment necessary.
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