An accident with your friend’s car? – Car accident injury attorney MarylandWritten by ruxandra
Someone has lent you their car and suddenly you got into an accident. What can you do in this situation? Do you file a claim under the owner’s policy or your own policy? In this article, you will find out what you have to do if you’ve been in an accident while driving your friend’s car directly from the best car accident injury attorney in Maryland.
The car insurance
When your friend trusted you with their car, they have also trusted you with their insurance policy. In Maryland, both collision and comprehensive insurance coverage will protect the car, indifferent of who the driver was. In this type of case, the car insurance will be the primary coverage and then your insurance (as a driver) will be the secondary. Depending on your friend’s coverage, the insurance may take care of any damage the vehicle sustained or other property damage which resulted from the accident. You could potentially file a claim for personal liability with the help of your car accident injury lawyer from Maryland to get your compensation. Unfortunately, your friend’s insurance rates will most likely go up (except if the accident was not your fault).
Most insurance policies for cars have a permissive use clause. This means that the insurance will cover the damages no matter the driver or family member who lived with the policyholder. You are probably not falling in this category, even though you’ve lived with the policyholder.
The importance of having permission
It is extremely important if you had the permission of the owner to drive their car and it is one of the first questions their insurance company will ask them. If the owner did not give their permission (and revels it to the insurance company), you will probably not receive any compensation under your friend’s insurance policy. If your friend allowed you to use their car, then you should expect them to file a car accident injury claim in Maryland.
Many insurance companies try to pin the fault on the owner of the car, saying that the owner was negligent for lending you their car. This may result in a lawsuit, and if the insurance company wins, your friend’s insurance policy will not assume responsibility for any bills. Owner’s negligence may include knowing that you were intoxicated or you didn’t have a valid driver’s license. In this case, you will have to file a claim under your insurance policy and hope it will cover you.
It is best to get help from a professional
A licensed car accident injury lawyer from Maryland will be able to determine who is liable, evaluate your case and establish if you can file a claim against the other driver’s insurance company. This may be your best chance of receiving the car accident injury compensation in Maryland you may need for lost wages, medical bills, pain and suffering and many more.
For more information about this matter you can contact the best injury lawyer in Maryland at (443) 569-3950 or send an email to [email protected].
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