Allowing a friend to drive your car can be a friendly gesture, but car accidents can happen. Understanding what happens when a friend crashes your car, including the insurance and legal implications, is important for everyone involved.
Whose Insurance Covers the Damages?
When your friend crashes your car, your insurance policy is typically the primary coverage. Your provider will be responsible for covering the damages before your friend’s insurance is considered. This includes liability coverage for any injuries or property damage your friend caused to others.
What if My Friend Is at Fault?
If your friend is at fault in the accident, your insurance will likely cover the damages under your policy’s liability and collision coverage. Your insurance premiums may increase as a result, even though you were not driving.
In addition to your own car repairs, if your friend caused damage to another person’s property or injuries, your liability coverage would handle those costs. If the damages exceed your policy limits, your friend’s insurance may step in as secondary coverage. Check the specifics of your policy and discuss with your insurance provider to understand the coverage.
What if My Friend Does Not Have Insurance?
If your friend does not have insurance, your policy will cover the damages, but only up to your policy limits. If the damages exceed your limits, you may be personally responsible for the additional costs.
For example, if your car is damaged beyond your collision coverage limit or if there are significant third-party claims, you may need to cover the excess out of pocket. We suggest reviewing your insurance policy’s limits and considering this risk before lending your car.
What if My Friend Is Injured?
If your friend is injured in the accident, your personal injury protection (PIP) or medical payments coverage can help cover their medical expenses. PIP coverage typically covers medical bills, lost wages, and other related expenses, regardless of fault.
If your friend’s injuries exceed the PIP limits or if your policy does not include PIP, your friend may need to use their health insurance or pursue compensation through legal channels.
Can I Recover Damages From My Friend?
If your friend was negligent and caused the accident, you might be able to recover damages from them directly. This could include the cost of repairs, medical expenses, and other losses incurred.
In some cases, your insurance company may seek reimbursement from your friend’s insurance company through a process called subrogation. This allows your insurer to recover costs from the at-fault party, reducing your financial burden. Pursuing legal action against a friend can strain personal relationships, so it is important to weigh this decision carefully.
Will My Insurance Rates Increase?
When your friend crashes your car, your insurance rates are likely to increase, especially if your friend is found at fault. Insurers often view any claim filed against your policy as a risk indicator, leading to higher premiums. The extent of the increase depends on your driving history, the severity of the accident, and your insurance provider’s policies.
What Should I Tell My Friend Before Lending My Car?
Before lending your car to a friend, communicate clearly about your expectations and the potential risks. Discuss your insurance coverage, including what it covers and what it does not. Make sure your friend understands their responsibilities and the possible financial implications if they cause an accident.
By having an open and honest conversation, you can help protect yourself and your friend from unexpected surprises and ensure that everyone is aware of their obligations.
Get a Free Consultation From the Experienced Delaware Car Accident Lawyers at McCann Dillon Jaffe & Lamb, LLC
If your friend crashed your car, our team can help you understand the legal and insurance implications. For personalized advice and legal assistance, contact the knowledgeable Delaware car accident lawyers at McCann Dillon Jaffe & Lamb, LLC. Call 302-888-1221 or submit our online form to schedule a free consultation today. Located in Wilmington, Delaware, we serve clients in Dover, Newark, and Middletown.