Anyone who drives in South Florida or owns a car in Miami-Dade and Broward is familiar with "borrowing a car." Sometimes, people borrow cars to run errands, because their car is in the shop, because they were the designated driver, and for numerous other reasons. More likely than not, the use of the borrowed car is short and the car is returned with no issue. However, what happens if you crash a borrowed car - a car that does not have you listed as an authorized driver?
The short answer – It depends. Each insurance policy indicates what coverage will be given to a loaned car. However, usually, the loaned vehicle’s insurance usually covers the vehicle. If there is so much damage, that the vehicle’s policy is not enough, the borrower’s insurance should cover the remaining to its policy limits. However beware Borrowers - if you are driving a vehicle that is not properly registered and not insured, you will be personally liable if you are at fault for an accident.
What if you borrowed a car without permission? (technically - that's stealing). For example, if a relative sneaks into your house, or a roommate uses your car without permission, then the vehicle's insurance will not cover the damages. Many times, the owner's insurance will require that the owner call the police and complete a police report in order to provide evidence that the vehicle was used without permission.
Regardless of the insurance coverage that you believe is available to you, if you or a loved one is injured or is a victim of a car accident, it is important to seek legal counsel as soon as possible. A personal injury attorney will be able to determine what insurance coverage is available to you. Olga Porven, P.A. has experience representing injured victims in personal injury and car accident matters. Olga Porven, Miami Dade and Broward car accident lawyer, may be able to help you.
Olga Porven, Esq., an attorney with Olga Porven, P.A., is a former insurance defense attorney. She is well aware of what the insurance companies are capable of and has the experience in dealing with insurance companies to help you obtain potential compensation in your case.