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Is it bad to let someone else drive your car? The Insurance Goes Along with The Vehicle. In this case, any denied claims would also mean that you could be liable for any damages caused by the person who borrowed your car. 1. The person who borrowed your car doesn\u2019t have a driver\u2019s licence. 2. If people borrow and use your car regularly.<\/strong> 3. If your car is used for deliveries How to Protect Yourself When Borrowing or Lending a Car.<\/strong> If, however, you are the borrower, you should also protect yourself by doing the following, in case you get into an accident while driving someone else\u2019s car:<\/strong><\/p>\n What to Do When You Are Injured in an Accident While Driving a Borrowed Car Whatever your question or concern is, we offer solid advice to help you anytime through our various channels.<\/p>\n Avanessy Giordano Law Firm offers its services in Toronto and throughout Ontario. For more information, please visit <\/em>https:\/\/avagiolaw.com\/<\/em><\/a>. Avanessy Giordano Law Firm would like to thank online marketing agency dNovo Group <\/em>https:\/\/dnovogroup.com\/<\/em><\/a> for help with this article.<\/em><\/p>\n 620 Wilson Avenue, Suite 504 Is it bad to let someone else drive your car? Not necessarily. However, there are certain things you need to consider before handing over your keys to someone who wishes to borrow it. It might sound grim, but you should always consider potential consequences so that you can take proper precautions and safety measures accordingly. […] Continue Reading
\n<\/strong>Not necessarily. However, there are certain things you need to consider before handing over your keys to someone who wishes to borrow it.
\nIt might sound grim, but you should always consider potential consequences so that you can take proper precautions and safety measures accordingly.
\nFor example, if a person gets into an accident while driving someone else\u2019s car<\/strong>, does insurance cover the cost of repair? As car accident lawyers <\/strong>would tell you, these things tend to be a bit more complicated, especially when insurance is involved.Remember that before lending your car to a friend or relative, it\u2019s always prudent to ask the other person a few questions to ensure that you are protected, insurance-wise. After all, you, as a car owner, have legal responsibilities. Hence, the person borrowing your car should also be made aware of their accountability when borrowing personal property, such as a car.So, if you\u2019ve lent your car to others a couple of times and have wondered, \u2018What happens if someone drives my car and gets into an accident?<\/strong>\u2019 Don\u2019t worry. You\u2019re not alone, and we\u2019ve got just the right guide for you to ensure that you and your friends or family are protected.<\/p>\n
\n<\/strong>If you haven\u2019t given much thought to what happens with insurance when someone borrows your car, here\u2019s a rule of thumb: You and your insurance are responsible for any damages or liabilities caused by the borrower.That\u2019s right. Insurance goes with your vehicle, not with you. As such, getting in an accident in someone else\u2019s car <\/strong>affects the lender\u2019s driving record and may raise their insurance premium.
\nBy principle, when you lend your car to someone, you\u2019re also lending them your insurance and driving record. This is something that a lot of car owners are not aware of!
\nIn certain situations, insurance companies may even refuse to pay a claim if a vehicle was lent to another person. For example, an insurance company will deny your claim if:<\/p>\n\n
\nWe\u2019ll discuss these reasons in more detail below:<\/p>\nReasons An Insurance Company Can Decline Your Claim<\/h3>\n
\n<\/strong>Allowing a person without a valid driver\u2019s licence or with a suspended licence to drive your car is considered a violation of your insurance policy. As such, your insurance company will most likely deny your claim. You will then be held responsible for any damages or liabilities incurred.
\nIf, however, you were not aware that the borrower does not have a licence or has a suspended one, then the chances of getting denied are lower. However, it\u2019s still important to check if the borrower has a valid licence. You can check licence validity online with the help of the Ontario Ministry of Transportation<\/a>.
\nOntario\u2019s Vehicle Impoundment Program aims to get drivers with suspended licenses off the road. If the person who borrowed your car is found to have a suspended licence, your vehicle will be impounded and held for a minimum of 45 days on account of the following violations:<\/p>\n\n
\nInsurance-wise,there\u2019s a huge difference between occasionally lending your car to someone and letting them drive it regularly.
\nWhen borrowing a car long-term<\/strong> or on a regular basis, most insurance companies stipulate that the borrower should be added to the insurance policy as an \u2018occasional driver.\u2019 This also increases your monthly premium on account of secondary driver insurance.
\nHowever, suppose the person remains undeclared, and they get into an accident. In that case, your insurer will likely deny your claim on the grounds of failing to disclose your arrangement with the borrower.<\/p>\n
\n<\/strong>Insurance companies are careful to outline the uses of a vehicle according to its insurance policy. As such, if your friend or family member regularly uses your car to deliver goods like food and packages, or even people, your accident claim may be denied.
\nThis is because delivering goods and persons counts as a commercial service and is therefore outside the bounds of personal insurance.
\nOn the other hand, if the borrower used your car for deliveries but you were not aware of it, your insurer may grant your claim. However, there are no guarantees that it will be approved, so it\u2019s always better to err on the side of caution before lending anyone your keys.
\nIf you want to go into business with friends or family and have decided to offer up your car for delivery purposes, then it is best to look into companies that offer coverage for individuals who wish to use a personal vehicle for commercial purposes.<\/p>\n
\nSo,can you get in trouble for letting someone borrow your car?<\/strong> Based on what we\u2019ve discussed so far, the answer is yes, you can.
\nHowever, there are also several ways to protect yourself. Before lending a car to a family member <\/strong>or a friend, ensure that you have checked or done the following:<\/p>\n\n
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\n<\/strong>In the event that you need help after getting into an accident while driving someone else\u2019s car, do not hesitate to reach out to our legal experts at Avanessy Giordano Personal Injury Lawyers.<\/a> Car crashes involving borrowed cars have the potential of becoming a serious legal issue, so feel free to contact us right away via (416) 551-5492. You may also submit a contact form <\/a>through our website or reach us on social media<\/a>.<\/p>\n
\nToronto, Ontario M3K 1Z3
\nTel:\u00a0 (416) 551-5492
\nFax: (416) 551-5493
\nwww.avagiolaw.com<\/a><\/p>\nSee Campaign: <\/strong>https:\/\/dnovogroup.com<\/a>
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