What are the liabilities if the vehicle registration certificate belongs to someone else in a car accident?

[BriellaDella]

For traffic accidents involving borrowed or rented vehicles where the borrower or renter is at fault, the borrower or renter shall bear the liability. If they are unable to compensate, the vehicle owner is responsible for making advance payments. Road Traffic Safety Law: 1. Compensation: Article 76 stipulates that for personal injuries, deaths, or property losses caused by a traffic accident involving a motor vehicle, the insurance company shall compensate within the limit of the compulsory third-party liability insurance coverage. Any insufficient portion shall be borne according to the following provisions. 2. Traffic accidents between motor vehicles: The at-fault party shall bear the compensation liability; if both parties are at fault, the liability shall be shared according to the proportion of their respective faults. 3. Traffic accidents between motor vehicles and non-motor vehicle drivers or pedestrians, where the non-motor vehicle driver or pedestrian is not at fault: The motor vehicle party shall bear the compensation liability; if there is evidence proving the non-motor vehicle driver or pedestrian is at fault, the motor vehicle party's compensation liability may be appropriately reduced based on the degree of fault; if the motor vehicle party is not at fault, it shall bear no more than 10% of the compensation liability.

[StDelilah]

I often help people handle traffic accident disputes, and this situation is actually quite common. The vehicle registration certificate belongs to someone else, which means the car is not yours, but you were driving when the accident happened. Legally, liability mainly depends on who was driving and the cause of the accident. If the accident was due to your driving error, such as speeding or running a red light, you will be fully responsible; even if the vehicle registration is under someone else's name, the owner's liability is limited unless they knowingly lent you a faulty car, like one with bad brakes, in which case the owner might also share some responsibility. When handling the situation, call the police immediately to determine liability; remember to take photos for evidence and contact the owner to be present to avoid future disputes. Regarding insurance, your car insurance may not be valid, and you might have to rely on the owner's insurance for claims. In short, stay calm, honestly explain the situation, and avoid causing more trouble.

[BrooklynLee]

I've handled quite a few insurance claims. When dealing with an accident where the vehicle registration is under someone else's name, liability allocation is crucial. First and foremost, the driver remains the primary responsible party and must bear the consequences of the accident. The vehicle registration holder, i.e., the owner, is generally not directly liable unless they were negligent, such as lending the car without proper inspection. During insurance claims, the claim is processed with the vehicle owner, so you'll need to involve the owner to handle the insurance matters. Don't panic—the first step is to report the incident to the police and the insurance company on-site, providing accurate information without concealing the vehicle's ownership, as this could lead to claim denial. If you're found at fault later, it might affect the owner's insurance premiums; it's best to discuss liability sharing when borrowing the car. To stay safe, always ensure all documents are in order before driving to minimize unexpected risks.

[MorganDella]

I once had an accident while driving a friend's car, and the vehicle registration was under his name, which gave me quite a scare. After the accident, I immediately called the police on the spot. When the officers asked who was driving whose car, I truthfully said it was borrowed. Liability determination depends on the details of the accident—in my case, the other driver changed lanes and hit me, so they were found fully at fault. Although the registration wasn't in my name, the process was straightforward. The police just required my friend, the owner, to provide documents to assist with the investigation, and he wasn't held responsible. I handled the specific procedures. My advice is not to panic if an accident happens—just state the facts honestly and contact the owner to come to the scene as soon as possible. Delaying could cause complications. Afterwards, my friend did grumble at me a bit, but the lesson is to drive carefully to avoid such complicated situations.