What Should I Do if I’m Hit While Driving Someone Else’s Car?
David Muñoz | August 11, 2023 | Car Accidents
Many of us have borrowed a friend or family member’s vehicle to run an errand, move furniture, or get around while our car is in the shop. Car accidents can happen anytime, and if you’re hit while driving someone else’s car, it can be confusing to figure out what to do next. So, what should you do if you get hit while driving someone’s car?
Car Insurance in California Usually Follows the Vehicle
First, understand that car insurance usually follows the vehicle in California. If you had permission to drive the car, even though you aren’t named on the insurance policy, you may be able to file a claim under that insurance policy if you were driving when an accident occurred.
However, if this is a car that you drive regularly, you should consider being added to the insurance policy to avoid any coverage issues or claim denials in the future.
How California’s Fault Rule for Car Accidents Might Impact Your Claim in Chula Vista, California
The driver who is at fault in an accident in California will be liable for the damages caused by the crash. Their auto insurance policy may cover some or all of these damages. If you’re in a car accident while borrowing someone else’s car and are found to be at fault, then your friend or family member’s insurance policy may come into play to compensate the victim.
Some common costs that may be covered by an insurance policy if you’re involved in an accident while driving someone else’s car include medical expenses, property damage, lost wages, and pain and suffering.
Conversely, if you were not at fault for the crash, you may be able to file a claim against the responsible driver’s insurance policy. You can still do this, in most cases, even if you were driving another person’s car at the time of the accident.
What Should You Do After a Car Accident in California?
Car accidents can be especially stressful if you’re driving someone else’s car. Keep in mind some important steps to take after a collision so you’re prepared.
First, if anyone involved in the accident needs immediate medical attention, call emergency services. If the car you’re driving is blocking traffic and can be safely moved out of the way, then it should be moved.
Then, make sure to exchange important information with the other driver or drivers. This might include names, driver’s license information, vehicle description, tag or registration number, and insurance policy information.
Next, call the police and tell the dispatcher about the accident. They may send an officer to the scene to make a report. If the police do not send an officer to the scene, you may still be able to submit a written report online or in person to the police. If the other driver was at fault, it will be helpful to have a police report to send to the insurance company when it’s time to file a claim.
Last, if anyone with you saw the accident, ask them to write down what they remember of the accident. It may be helpful if the other driver disagrees with your description of the accident.
Next Steps if You’re in an Accident While Driving Someone Else’s Car in California
In the days following a car accident, injuries that weren’t immediately apparent may arise. That’s one reason why it’s a good idea to visit a medical provider as soon as possible, even if you aren’t obviously hurt. Beyond being beneficial for your health, seeing a doctor will create valuable medical evidence for any subsequent personal injury claims.
You’ll also want to let the insurance company know about the accident so they can start the claims process. Again, this can be confusing when you aren’t the named insured on the insurance policy. It’s best to speak with a qualified personal injury lawyer before corresponding with any insurance companies so that you can preserve your legal rights and interests.
Most attorneys in this area of the law offer free initial consultations, so it’s almost always worth your time to schedule a time to meet and receive some preliminary advice.
Contact the Chula Vista Personal Injury Law Firm of Mission Personal Injury Lawyers Today To Get More Information
Mission Personal Injury Lawyers
2515 Camino del Rio S Suite 350, San Diego, CA 92108
We also serve the state of Texas. Contact our personal injury law office in El Paso for legal assistance today.