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What Happens when Your Vehicle Is Crashed by Another Driver?

Handley LLC Sept. 7, 2020

For certain people who need to go to work, conduct sales, pick up individuals, etc, motor cars may become important in cases where a car is loaned to someone else who needs it. That is obviously not uncommon and most read that, and can conceive about either driving a car not belonging to you or someone else driving your car. Often nothing goes wrong, so driving the vehicle doesn't have complications, but there are times when someone gets involved in a car crash driving a vehicle which doesn't belong to them. This will bring to an otherwise traumatic situation a sense of uncertainty, as fault and insurance problems will get even more complicated. You will need a personal injury attorney to deal with the case in such a situation.

Conceptions Concerning Car Loan and Liability Cover

Say you've got a car you lent to a friend of your family. One day, they drive the car and take part in a crash. How does the insurance work if you didn't drive the car? Unlike common myths, the main target of auto insurance is not the individual issuing the claim, but the vehicle protected by the claim. Many insurance plans on your motor vehicle include family members. The insurance provider also offers to deliver your car as stated in the contract to those in the immediate family. In case of any accident while driving your car, the bulk of regulations should protect those that grant you permission to drive your vehicle.

Permissive Use of Vehicle Involved in The Crash

Car insurance providers are more than mindful of how customers usually giving other customers their cars. Therefore, the terms are known as permissive use, and can be part of your auto insurance scheme. And this means, even though you cannot be a family member in a case of injury during your car driving, yet the insurance company encourages you to use your vehicle, as it is protected by your insurance. In the end, it depends on the auto insurance policy’s particular vocabulary. Nobody would follow a similar policy, which ensures that there will be some who will not be able to use the vehicle, and some will need you to drive them, or they will not insure it. But ask for a double search before the insurance policy comes into effect.

Where the Driver Is Not the Occupant of The Car

Oklahoma is what is considered a non-fault zone, which ensures that in the case of an auto wreck, you are not allowed to take cover from the party responsible for the incident, other than by your own insurance policy. OKC drivers should be at least shielded from personal injuries while driving their cars.

When a buddy borrows a vehicle and gets involved in an incident that is the responsibility of someone else, you’re probably going to first use a protection, because coverage has a permissive provision so it doesn't include a penalty. Although the insurance and medical benefits did not withstand the major injury they sustained, they will be asking for compensation from the default side. When the injury is their own, your coverage will still be available not only by your partner, who will not be covered once your coverage has been expended, but also those your partner hurt after your medical policy has run out.

Call personal injury attorney from Handley Law Center in OKC to handle legal proceedings of the case.

** Disclaimer: This blog article is not legal advice and does not create an attorney-client relationship.