What Happens If Someone Else Is Driving My Car and Gets in an Accident? – Butler

What Happens If Someone Else Is Driving My Car and Gets in an Accident? – Butler

If a family member or good friend wrecks your car in Georgia, what happens subsequent? Who is accountable? Will your insurance coverage cover the injury? Fear not. In most cases, you will not be left holding the bag. Read on to study what options you’ve got when your car is wrecked by somebody other than your self.

If you’ve got questions or considerations, don’t hesitate to attain out to the personal injury attorneys at Butler Kahn. Our group of attorneys has a long time of experience serving to Georgians work out the aftermath of auto accidents. We are prepared to help you. Call right now for a free consultation.

Whose Insurance Applies If My Car Is Involved in an Accident?

The reply to this query is determined by who was at fault for the accident and on the language of the governing insurance coverage insurance policies. If the particular person driving your car precipitated the accident, they’d be answerable for the ensuing injury. Because most insurance coverage protection follows the insured car and not the named policyholder, your insurance coverage policy will doubtless cover their collision.

However, if the driving force in another person’s car precipitated the accident, that particular person will be answerable for any ensuing injuries and property injury. Again, as a result of most insurance coverage insurance policies observe the car and not the policyholder, the other car proprietor’s insurance coverage may cover damages from the accident.

That said, insurance coverage insurance policies are various. These paperwork will be fairly complicated and must be evaluated on a case-by-case foundation. Among other variations, the phrases of your policy may preclude protection if the driving force:

  • Did not have permission to use your car
  • Was explicitly excluded out of your insurance coverage policy
  • Did not have a legitimate driver’s license
  • Was under the affect of alcohol or drugs
  • Used your car for a business activity

The personal injury attorneys at Butler Kahn can help you perceive your rights and obligations under your insurance coverage policy. Call us right now for a free consultation.

Does It Matter Whether the Other Driver Had Permission to Use My Car?

Yes, whether or not the other driver had permission to use your car is an vital issue. If you give one other driver permission to use your car, your insurance coverage will usually cover them in the occasion of an accident.

Under the “permissive use” doctrine, a car proprietor ought to pay for the injury brought on by one other particular person driving their car with specific or implied permission. Express permission may come up, for instance, in the event you give your good friend one-time verbal permission to go to the grocery retailer utilizing your car. By distinction, implied permission would come up if the good friend recurrently runs errands in your car together with your knowledge.

If you give somebody permission to drive your car and it’s subsequently concerned in a wreck, your insurance coverage policy will act as the first protection. This signifies that it will pay for damages up to your policy restrict. If the driving force has their very own insurance coverage policy, it may act as secondary protection. If the injury exceeds your individual policy restrict, which means that their policy may cover the rest.

However, all the things adjustments if the driving force makes use of your car with out permission. In this situation, the driving force will be absolutely answerable for no matter injury they trigger. If the at-fault driver doesn’t have insurance coverage, you may recuperate compensation for the injury to your car by way of your individual policy’s uninsured/underinsured (UM/UIM) protection.

Will My Insurance Rates Go Up If Another Driver Wrecks My Car?

Unfortunately, there’s a high probability that your insurance coverage premium will enhance if one other driver wrecks your car. Remember, your car insurance coverage normally follows your car. From the insurer’s perspective, the cost of insuring your car goes up each time they pay out a declare. Therefore, if the driving force behind your steering wheel was at-fault in the accident, your insurer will take word. In some cases, your insurer will even elevate your premiums no matter who was at fault.

What Should I Do After Another Driver Wrecks Your Car?

Learning that your car was concerned in an accident can instantly set off stress and anxiousness. However, there are some primary steps that you must take early on to decrease additional issues down the highway. Consider taking the next steps in case your car was concerned in another person’s wreck:

  • Report the accident – Inform the police. If the individual that was driving your car will not call the police, achieve this your self. The dispatcher will ship an officer to the scene to complete an accident report. You will want this authoritative accident report to your insurance coverage declare.
  • Document the scene – It is vital to visually doc the scene of the accident as quickly as potential. Photos and movies will flip into vital proof down the highway. Get footage of injuries, car injury, highway situations, climate situations, indicators of impaired driving, close by surveillance tools, and any other information that may help create a clearer image of the accident. Also, ask your car’s driver to write down their recollection of the accident whereas it’s nonetheless contemporary in their minds.
  • Gather contact information – Gather vital information from other drivers concerned in the crash. This consists of their names, contact information, driver’s license numbers, license plate numbers, insurer names, and insurance coverage policy numbers. Also, be certain to establish witnesses to the accident and acquire their contact information as nicely.
  • Beware of insurers – Insurance firms are revenue-pushed companies that will at all times search to decrease the amount of money they’ve to pay out in claims. If you aren’t cautious, they will twist your phrases and misrepresent the information to extra simply deny your declare. Sadly, even your individual insurer isn’t your good friend.
  • Consult with an attorney  – Talk to an experienced accident lawyer about your options as quickly as potential. They will be sure to know your rights and are usually not taken benefit of.

An Auto Accident Attorney Can Help

It is dangerous sufficient when our car is wrecked in our personal accident. But what happens when another person wrecks your car? Our clients dealing with this situation are sometimes uncertain of what steps to take subsequent. We are right here to be sure they know their rights and help them clear up the mess.

If one other driver wrecked your car, having an experienced attorney in your corner can save you time and money. Contact Butler Kahn right now to converse with certainly one of our auto accident attorneys at no cost to you. We provide 100% free consultations.


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