What Happens If I Drive Someone Else's Car Without Insurance
What Happens If I Drive Someone Else's Car Without Insurance

What Happens If I Drive Someone Else's Car Without Insurance

What Happens If I Drive Someone Else's Car Without Insurance – No one wants to get a call saying your car was involved in an accident when you weren’t even driving. And yet, it happens every day in Maryland. Once you’ve made sure that everyone gets any necessary medical treatment and that the person with your permission to drive your car is unharmed, your mind will immediately turn to how this will affect you and your car insurance policy.

It will likely affect you, but how much depends on a number of factors. Take a look at how state law works in terms of someone involved in an accident while driving someone else’s vehicle, and learn how a Maryland car accident attorney can help you.

What Happens If I Drive Someone Else's Car Without Insurance

What are the immediate steps to take if someone else gets into a car accident with your car?

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The first step to take when someone is involved in a car accident in Baltimore, Aberdeen, Elkton, or anywhere else in Maryland while driving your motor vehicle is to document the accident report, including the contact information of any witnesses your friend or family member may have received. You will need to submit a report and insurance claim to your car insurance company, and knowing what happened is essential. Next, check your auto insurance policy to know your collision coverage, deductible, liability coverage, policy limits, excluded driver clauses, and other auto insurance policy information.

The next step you should take before you even call your insurance company is to call a car accident attorney. Time is always of the essence due to Maryland laws and codes. The state has a strict statute of limitations, and your insurance coverage likely has requirements about how long you have to file a claim. To request a free consultation about your auto insurance, call 410-885-6200 or fill out the online contact form to speak with an experienced car accident attorney at the Bowers Law Firm today.

According to Maryland auto insurance laws, liability insurance held by a vehicle owner also applies to family members or family members who drive the vehicle with the insured’s permission. This means that your car insurance will likely cover any permissive use of your vehicle. If your family member or friend is the driver of your car and has an accident, they are covered just as if you were driving your own car.

The responsibility, however, boils down to who is at fault in the car accident. If the driver driving your car was at fault, your insurance company covers the accident. If someone else caused the accident, the at-fault driver’s insurance will be liable for payment.

Can Someone Else Drive My Car?

Essentially, the car owner’s insurance covers the accident, not the driver’s insurance. Car accident claims, on the other hand, can be very complicated, and it is important to have the knowledge and assistance of a personal injury lawyer who specializes in car accident cases.

Permissive use of a vehicle simply means that the person operating your vehicle has your permission to do so. Most insurance policies in Maryland will cover all drivers listed on the policy’s primary coverage, or those who have the vehicle owner’s permission to operate the vehicle. In short, if you approve them to drive, your insurance company will likely cover them.

Unauthorized use means that whoever operated the vehicle did not receive your permission. This applies to people who have been driving under the influence of alcohol or liquor, or who do not have a valid driver’s license.

If the driver has his own insurance, should I report the accident to my insurance company?

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The general rule in Maryland is that the insurance follows the car, not the driver. This means that if someone else drives your car with your permission, even if they have their own insurance, your insurance company will pay for the accident. In essence, by allowing another person to drive your car, you are accepting responsibility for their use of your car. Any requirements or restrictions on your insurance policy that apply if you drive the vehicle still apply if someone else is driving.

This means that yes, you must report the accident to your insurance company if someone else is driving your car. Many people worry that this could cause their car insurance rates to increase, and it may, depending on the individual circumstances of the accident.

In some cases, the driver’s insurance may kick in if your insurance won’t cover the total cost of the accident. It depends on the individual circumstances, but the driver’s insurance can end up being a sort of “backup” or secondary source of coverage that comes in when needed.

Whether or not someone else wrecks your car will raise your insurance rates depends on a wide variety of factors, but the most important is whether the accident was their fault. Let’s say another driver was responsible for the wreck and the resulting damage. In that case, their insurance is responsible for paying for things like property damage, personal injury, medical bills, potential future medical expenses, and other economic and non-economic damages that result from personal injury claims related to the accident.

Can I Drive Someone Else’s Car?

The specific mode of operation of the process depends greatly on the individual policy and the circumstances of the accident. Liability in a car accident depends on proving negligence, which is a legal term that means three factors were involved:

Maryland also has a contributory negligence rule, meaning that if the party filing the claim is found to have contributed even 1% to the accident, then no money can be awarded at all. Only when an accident victim is 0% responsible, can he be awarded compensation. For this reason, it is essential that anyone involved in a car accident secure the services of personal injury lawyers who specialize in car accident claims.

If you can prove beyond a reasonable doubt that the person driving your car was not responsible for the accident, the other driver’s insurance company may have to pay all the expenses. In this case, your insurance rates may not increase. Otherwise, it depends on your policy. Some companies have features like accident forgiveness; others don’t. In some cases, if you are in an accident with an uninsured driver and your insurance has to pay, your rates may go up even if you were not at fault.

Either way, your best bet to protect your rates and make sure your friend gets the medical care he needs is always to call a car accident attorney. If you are located anywhere in Maryland, from Baltimore to Aberdeen or elsewhere, contact Bowers Law at 410-885-6200 or through our online form to request a free case evaluation and insurance policy review.

Does This Happen To Anyone Else While Being On Someone Else’s Train ?

If your teen causes an accident, your insurance will cover the damages in most situations. As with a spouse or friend, you will need to report the accident to your insurance company to get coverage.

Maryland also has vicarious liability laws, which mean that parents can be held legally responsible for the actions of their children under certain circumstances. In this case, if your child was driving your car with your permission, was negligent and caused an accident, a personal injury claim arises from the car accident caused by your teenager. You and your insurance company may be the subject of a lawsuit by the injured driver.

However, if your child did not drive with your permission, you may not be held responsible. Generally, in our country, the parent is not responsible for the child’s negligent actions if they are committed intentionally or without the parents’ knowledge or permission. These issues can get complicated, and if your child is in an accident while driving his car, it’s a good idea to talk to a lawyer to see where you stand.

If you are driving a family member or friend’s car and you had their permission to be behind the wheel, you have a valid driver’s license, and you were not intoxicated, your relative or friend’s insurance will cover you for the accident under Maryland law. The opposite is true for someone else driving your car. Maryland car insurance usually follows the vehicle, not the driver, as a rule. How exactly the legal claims process is conducted depends on the specific details of the insurance policy that your friend or relative has, and any exclusions therein.

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If someone you don’t know is driving your car, they probably didn’t have a permit. It’s not easy to give someone permission to drive your car if you don’t even know them. Still, when dealing with insurance companies in this case, it is useful to have experience in legal representation. The last thing you need is someone you don’t know causing an accident that you have to pay for.

If someone you don’t know was driving your car and was involved in a car accident, you should contact the experienced car accident attorneys at Bowers Law Firm as soon as possible. Call 410-885-6200 or use our easy online form for a free consultation.

Bowers Law is a client-focused law practice serving clients throughout the state of Maryland

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