Liability,Laws,When,You,Loan,Y law Liability Laws When You Loan Your Car
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Liabilitylaws regarding accidents in a borrowed car are confusing to most. Many people find themselves in a situationwhere they need to borrow a car for one reason or another or lend a car to afriend or family member in need. But what happens when an accident occurs in aborrowed vehicle? There are many questions commonly asked by those in thissituation and they need answers. While state laws and insurance policycoverages may differ, most states and insurance companies have similar lawsand policies. If you find yourself in a situation where a borrowed or loanedcar was involved in an accident, you may consider contacting a Phoenix vehicle accident lawyer.They understand the traffic laws and insurance language and can help you sortout this dilemma. Call to learn more about your legal options during a freecase evaluation.Liabilitylaws vary per state. In most cases the insurance policyfollows the vehicle insured as long as the vehicle owner gave the other driverpermission to use the vehicle. If you borrow a vehicle from a friend, you arein a sense borrowing their insurance as well, so it is a good idea to fullyunderstand the coverage of a vehicle before you borrow it. Family members thatare on the same policy and borrow each others vehicles are typically coveredunder the primary drivers policy, because members in a group policy usuallyhave the same coverage, regardless of which vehicle is being driven. In caseswhere you are borrowing a car from someone not on the same policy as you,(perhaps a friend) your coverage will extend only to the coverage of the primarydriver of that vehicle. If you cause damages that extend beyond that coverage,you will be responsible for the remainder of the damages; however it ispossible to use your own insurance company to cover the excess damages in somesituations. A Phoenix vehicle accident lawyer can evaluate your claim and help youdetermine the best option for your unique situation.If you lend a car to someonewho is not covered on your policy and the damages surpass your coverage, youcould be held liable for the amount not covered by the policy. Furthermore ifthe person you lend your vehicle to causes an accident because of negligence orif they had a suspended license, you could be liable for any criminal chargesand fees they acquire. Contact a Phoenixvehicle accidentlawyer if you have been involved in a borrowed car accidentand have questions regarding how the liability laws apply in your situation.
Liability,Laws,When,You,Loan,Y