Getting in an Accident in Someone Else’s Car

If you borrow somebody’s car and you get injured in an accident, whose insurance will cover your injury? There are three potential insurance policies you should be looking at to see if they’ll cover that injury.

Here’s a quick video with Joel Ready, one of Cornerstone Law Firm’s attorneys. Or you can skip to the rest of the article below to keep reading.

1. The person who hit you should have car insurance to cover your injury.

 The first is the person who hit you. Even if you’re in a borrowed car, if someone else’s negligence caused your injury—they ran a red light, ran a stop sign, rear-ended you, violated the rules of the road and caused you the injury—their insurance should cover that accident. A personal injury attorney can help you find their insurance and make demand on them to cover the injuries in the accident.

2. The owner of the car you were driving may have insurance to cover you.

The second person that you should check into is whoever owned the car. If the car owner gave you permission to drive the car, that makes you an authorized driver. Their insurance should cover you in that situation.

3. The owner of the car that hit you may be liable.

 The third person we want to check into is the owner of the car that hit you. If they authorized someone to drive the car, their insurance may be on the hook. And if they negligently entrusted the car to someone who had a history of bad driving or illegal conduct on the road, they may be liable for various types of damages.

4. Your own insurance includes “under insured” coverage in most situations.

Fourth, don’t forget that your own car insurance should still apply. This can also include the insurance of other people who live with you in your house. Their policies may also have to cover you. We can often “stack” the insurance of those who live in your house, even if they were not involved in the accident at all.

Conclusion: Call an experienced car accident lawyer today.

If you’ve been injured in a car accident, it’s really important to call a personal injury lawyer. The laws around car accidents are complex, and there may be surprising ways for you to recover from insurance for your injury. Call Cornerstone Law Firm today for a free personal injury consultation.