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A Friend Wrecked My Car- Who Pays?

Picture of Wrecked Car

We often get personal injury related questions that involve a scenario where you lend your car to a friend, who subsequently has an accident. It is common for someone to give permission to a friend, relative, or colleague to operate his or her automobile, and then they get into an accident. Who is responsible for damages caused by such an accident?

If the accident was due to the negligence of the person driving your car, then the following will usually apply:

  • If the person you allowed to operate your vehicle has insurance coverage, then their insurance company will be responsible for any damages.
  • If there are considerable injuries and damages to another party, then that person could also sue you (and your insurance company) if the at-fault party’s coverage is not sufficient.
  • If the at-fault driver has no insurance coverage, then your insurance coverage will be solely responsible for any damages.
  • If you or the person you loaned your vehicle to do not have coverage, then you both could be sued directly and would be personally responsible for any damages. 

If the accident is not the fault of the person driving your vehicle, the following will apply:

  • If the at-fault party is insured, then their insurance company will be responsible for any property damage to your vehicle and for any injury related claims to the driver.
  • If the at-fault third party is uninsured, then your own insurance company will be responsible for the property damage to your vehicle (minus any deductible).
  • If you are both uninsured, then you can sue the at-fault driver in General Sessions Court for any property damage your vehicle sustained.

If everyone involved in the accident has insurance, then the claims process for all involved usually will go smoothly. If the person driving your car had permission to drive it, then your insurance company will provide protection up to your policy limits. 


Call the Chiozza Law Firm

If you or a loved one have been involved in an auto accident, please contact us online, or call 901-526-9494 to schedule a free telephone or in-person consultation with one of our experienced auto accident attorneys.

The Chiozza Law Firm has dedicated our time to assisting the victims of auto accidents in the Mid-South and surrounding areas for over 50 years. Our history, fee structure, and prior verdicts and settlements offer our clients peace of mind in knowing they have chosen the right law firm to assist them in their time of need. We strive to treat every client as a part of our family.



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Posted by Brian Chiozza at 9:41 AM
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