What Happens If I Loan My Car And Temp Driver Has Accident?

An automobile insurance policy covers the insured vehicle, but not always the person that is driving that same vehicle. That fact plays a part in deciding who gets held responsible for any accident-related damages.

The owner of the vehicle becomes responsible for any insurance expenses, following an accident.

That statement refers to the owner of the vehicle that was driven by the at-fault driver. The court decides who should be declared at fault; the Insurance Corporation of British Columbia (ICBC) does not make that decision.

Does the owner’s insurance need to cover the medical expenses for an injured passenger?

Yes, an insured passenger has the right to fight for compensation from the vehicle’s owner. Of course, those expenses could not be paid fully, if they exceeded the limits on the owner’s automobile insurance policy. In that case, the passenger would need to seek an alternate source of financial assistance.

Does the insurance company expect the owner to be the only person driving the insured vehicle?

Not necessarily, the policy holder/vehicle owner has the chance to register the friends and family members that would be apt to drive the insured vehicle rather frequently. In that way, the owner can avoid almost any problem that would arise, if one of those registered drivers were to get involved in an accident.

How could the driver of an insured vehicle affect the coverage offered, following an accident?

Car Accident Lawyer in Richmond knows that an automobile insurance company would not cover damages from a collision if the owner of the insured vehicle had loaned his or her car to an unlicensed driver. By the same token, an insurer would not cover the damages from an accident, if the owner of the insured vehicle had given the car’s keys to an impaired driver, such as an older driver or someone that was under the influence of drugs or alcohol.

Finally, an insurer would not cover the damaged from a collision if the insured vehicle’s owner had given the keys to someone that was not fit to drive. Doctors should tell patients, or their parents if a patient has suddenly developed a condition that might interfere with his or her ability to drive. For instance, a patient might suddenly start having seizures. If those seizures cannot be controlled, then that patient should restrict the amount of time that he or she spends behind the steering wheel of an automobile.

On the other hand, if the seizures can be controlled by medications, then that should not make that same person unfit to drive. It would probably be best to discuss the situation with the doctor, and to obtain a report, giving the doctor’s opinion, along with information on the medication that was prescribed.