What to Do If Someone Else Causes an Accident While Driving Your Car?
2 Answers
The primary party is the directly liable person, and the vehicle owner bears supplementary liability under corresponding circumstances. If the borrower possesses a valid driving qualification, the borrower should be held responsible. The driver of the vehicle must stop immediately and protect the scene; in the event of personal injury or death, the driver must immediately rescue the injured and promptly report the incident.
When my car was involved in an accident driven by someone else, I panicked, worried about the extensive damage and having to pay for repairs out of pocket. Don't panic—the most important thing is to ensure the safety of the driver and any injured parties; call emergency services immediately if anyone is hurt. Then, report the accident to the police right away to get a traffic accident certificate, which is crucial for insurance claims. Next, call my insurance company to report the incident, providing details like the accident circumstances, time, and location. The insurer will guide me on next steps, which may include towing or repair recommendations. Take photos of the scene and exchange information with the other party to prevent disputes over liability. Repair costs afterward depend on insurance coverage—if the borrower is at fault, they may share the expense. This experience taught me to only lend my car to reliable, experienced drivers and to stop agreeing casually.
