via Tumblr hobbsr04.tumblr.com/post/117406065212 via Tumblr hobbsr04.tumblr.com/post/117399046877 via Tumblr hobbsr04.tumblr.com/post/117390110867 via Tumblr hobbsr04.tumblr.com/post/117381523527 via Tumblr hobbsr04.tumblr.com/post/117373201542 via Tumblr hobbsr04.tumblr.com/post/117363797192 via Tumblr hobbsr04.tumblr.com/post/117354469152 via Tumblr hobbsr04.tumblr.com/post/117345142547 via Tumblr hobbsr04.tumblr.com/post/117336298652 via Tumblr hobbsr04.tumblr.com/post/117329366667 via Tumblr hobbsr04.tumblr.com/post/117324620607 via Tumblr hobbsr04.tumblr.com/post/117320009367 via Tumblr hobbsr04.tumblr.com/post/117314298087 via Tumblr hobbsr04.tumblr.com/post/117306525492 via Tumblr hobbsr04.tumblr.com/post/117297263892 via Tumblr hobbsr04.tumblr.com/post/117289366082 via Tumblr hobbsr04.tumblr.com/post/117280503387 via Tumblr hobbsr04.tumblr.com/post/117271484232 via Tumblr hobbsr04.tumblr.com/post/117263449822 Many of us don’t think twice when friends ask to borrow our car. We trust them. But, what happens when they get into an accident? Are you liable for the damage, even if you weren’t driving? Vicarious Liability I have good news and bad news. Let’s start with the bad news. When you loan someone your car, you become liable for their actions through vicarious liability. For example, California Vehicle Code section 17150 states, “Every owner of a motor vehicle is liable and responsible for death or injury to person or property resulting from a negligent or wrongful act or omission in the operation of the motor vehicle … by any person using … the same with the permission of the owner.” So, even if you weren’t driving the car, victims may sue you for damages caused by another person driving your car. Most states that hold owners liable for another driver’s actions limit the owners’ liability. California Vehicle Code section 17151(a) limits an owner’s liability to $15,000 if the accident causes injury to one person and $30,000 if two or more people are injured. Owners are also liable for up to $5,000 in property damage. These limits don’t apply when you were negligent yourself in lending your car to the other driver. This usually means you loaned your car to an unlicensed driver or someone with a known habit of unsafe driving. You are also negligent if you knew there was a defect in the car, but let someone else drive it anyway. Car Insurance The good news is that you probably won’t have to pay for all the damages out of pocket. Your car insurance follows the car, not the driver. So even if you weren’t driving the car, your car insurance will cover the damage caused by and to your car. Your car insurance will be considered the primary insurance. It will be used first to cover damages. If your friend also has car insurance, his insurance will be secondary, meaning it will cover damages after the limits of your policy have been reached. If the damage exceeds your policy limit, and your friend doesn’t have his own car insurance, you will have to pay the rest of the damages out of pocket. However, all of this is assuming your friend was at fault in the accident. If the other driver was at fault, you’ll make a claim with her insurance to cover the damages. Hopefully, she’s not uninsured. If you or a friend has been involved in a car accident in your car, an experienced personal injury attorney will help you assess your options and make an insurance claim. Related Resources: Injured in an accident? Get your claim reviewed by an attorney for free. (Consumer Injury) ‘Family Car’ Doctrine: Liability for a Kid’s Wreck (FindLaw’s Injured) Is It Too Late to File My Car Accident Claim? (FindLaw’s Injured) 5 Things a Car Accident Lawyer Needs to Know About Your Case (FindLaw’s Injured) from Injured blogs.findlaw.com/injured/2015/04/am-i-liable-if-someone-… via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus… via Flickr www.flickr.com/photos/87814799@N02/17256254161 via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus… via Flickr www.flickr.com/photos/87814799@N02/17070170418 via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus… via Flickr www.flickr.com/photos/87814799@N02/17257124732 via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus… via Flickr www.flickr.com/photos/87814799@N02/17073505669 via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus… via Flickr www.flickr.com/photos/87814799@N02/17074260529 via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus… via Flickr www.flickr.com/photos/87814799@N02/17235299946 via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus… via Flickr www.flickr.com/photos/87814799@N02/17261957585 via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus… via Flickr www.flickr.com/photos/87814799@N02/17076496959 via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus… via Flickr www.flickr.com/photos/87814799@N02/17056069217 via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus… via Flickr www.flickr.com/photos/87814799@N02/17056911627 via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus… via Flickr www.flickr.com/photos/87814799@N02/17079148799 via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus… via Flickr www.flickr.com/photos/87814799@N02/17078769998 via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus… via Flickr www.flickr.com/photos/87814799@N02/17081539879 via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus… via Flickr www.flickr.com/photos/87814799@N02/16646346074 via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus… via Flickr www.flickr.com/photos/87814799@N02/16649600673 via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus… via Flickr www.flickr.com/photos/87814799@N02/17270770885 via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus… via Flickr www.flickr.com/photos/87814799@N02/17085505209 via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus… via Flickr www.flickr.com/photos/87814799@N02/17065170907 via Blogger hobbsr04.blogspot.com/2015/04/am-i-liable-if-someone-caus...
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