If you borrow someone’s car and get into an accident, whose insurance covers it?

A car parked on a street

We’ve all had times when we need to borrow a car from a friend or family member. But what happens if you get into an accident while you’re driving the borrowed car and you get injured? Whose insurance will cover that injury? Watch the video linked below to hear more about this, or read the article.

3 Insurance Policies to Check

There are three insurance policies you can check for injury coverage. They include the insurance of the driver that hit you, the car owner’s insurance, and your personal car insurance.

The driver that hit you—Even if you’re in a borrowed car, if the other driver’s negligence caused your injury, their insurance should cover it. If they ran a red light or a stop sign, rear-ended you, or violated the rules of the road, they are responsible for the accident.

The car owner’s insurance—If the owner of the car gave you permission to drive it, you are an authorized driver. Their insurance may cover you.

Your car insurance—Your own car insurance should still apply. This can also include the car insurance of other people who live in your home. As strange as it sounds, their insurance may also cover you.

Do you need a car accident attorney?

If you’ve been injured in a car accident, it’s really important to call a personal injury attorney. Laws around car accidents are complex and there are a lot of surprising ways that you may be able to recover for your injury. A personal injury attorney who’s well-versed in the law can advocate on your behalf and ensure you get the compensation you deserve.

Cornerstone Law Firm can help.

At Cornerstone Law Firm, our personal injury attorneys are ready to help. We have experience with all sizes of motor vehicle accidents, from million-dollar plus wrongful death cases to minor fender benders. We can assist you in getting compensation for cover medical costs, pain, suffering, and any lost wages from work you missed because of your accident. Call us today to schedule a free personal injury consultation.