Friends Who Cause Accidents
It is not uncommon to allow your friend to use your car for a quick errand. However, letting a friend use your car can lead to serious insurance issues if they are involved in an accident. Knowing how to navigate your insurance claim process if a friend wrecks your car can help to ensure that everything is handled properly.
If your friend is involved in an accident while driving your car, it is your problem. Auto insurance follows the car, not the driver. Luckily, the liability portion of your auto insurance will provide coverage for any injuries or damages that are done to others during the crash. If your car is damaged, you will have to file a claim with your collision coverage and pay the deductible before the insurance will kick in. While you can ask your friend to pay the deductible since they caused the damage, they do not have to.
If your friend is involved in a serious accident, the insurance process can be much more complicated. If your friend has their own auto insurance policy, it will cover any damages that are not covered by your insurance policy. However, once both of your insurance policies have reached their limit, you can be sued by the other driver or drivers involved, putting your personal assets in jeopardy. As the owner of the car, you are expected to make sure that the car is not driven by an unlicensed or uninsured driver.
Having the right auto insurance policy is the best way to ensure that you and your car stay safe on the road. Contact Idaho Insurance / Affordable Insurance in Caldwell, Idaho for all of your auto insurance needs to ensure that you have the right amount of coverage, all at the right price.