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Imagine this scenario: A friend or family member borrows your car for a quick errand, but while driving your vehicle, they get into an accident. You’re relieved that they’re not hurt, but then the legal questions start swirling. Could you, as the car owner, be held liable for damages? Will your car insurance policy cover the damages? More importantly, can you be sued for an accident caused by someone else while driving your car? In this post, we will explore when and how a car owner may be liable if someone else drives their car and causes an accident. We’ll break down liability insurance, insurance policies, and what steps you should take to protect yourself from lawsuits. Understanding Liability: Who Is Responsible for the Accident? When someone else drives your car and gets into an accident, the liability typically falls on the at-fault driver. However, as the owner of the vehicle, you could still face legal and financial consequences under certain circumstances. How Liability Works in Car Accident Cases Liability in a car accident is generally determined based on negligence. The at-fault driver’s insurance is usually the primary coverage for the damages. However, if the driver’s insurance company refuses to cover all damages or if the driver is uninsured, the car owner may be liable. Scenarios Where the Car Owner May Be Held Liable Certain circumstances may result in the vehicle owner being held responsible for damages: Permissive Use: If you gave permission for someone to drive your car, your […]