You might not think twice about borrowing a vehicle. Whether you're a friend, neighbor, relative, babysitter or coworker, there are some important things you need to know. It could be important if you're in an accident while driving another's car.
What to Consider Before You Drive Someone Else's Car
No one intends or expects to get into an accident. But because it's a possibility, you need to know ahead of time how costs from an accident could impact you and/or the owner.
The following are things you should know before getting behind the wheel of someone else's vehicle:
- Coverage available on auto insurance policy. Make sure the owner has checked his/her policy or contacted the insurer to learn about restrictions, terms or conditions that may apply to someone else driving the vehicle. The owner should specifically look for how the insurance company defines an insured person.
- You have permission to drive. This must be clear before driving. Don't just take the keys or assume the owner knows. The insurer may not cover the accident if you drive a vehicle without permission.
- Where to locate insurance information. Before driving off, know where the owner keeps the insurance (and registration) information in the vehicle. It's usually in the glove compartment.
- If you're considered a regular driver. When someone borrows a vehicle once in a while, accidents are usually covered. But if you use it on a frequent basis, it might not be. That's because the insurer may consider you a regular driver. Have the owner check with them to learn if you're a regular driver and if it's a good idea to add you to the policy.
Understanding the impact of coverage is just one factor. It's also important to know what to do if you're involved in an accident and don't own the vehicle. Call the Miley Legal Group in Clarksburg for legal help: 304-931-4088.