What to Do If Someone Else Causes an Accident While Driving Your Car?
3 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.
When someone else caused an accident while driving my car, I remained calm because I had encountered similar situations before. The first priority is to ensure everyone's safety. If no one is injured, immediately stop the car, set up warning signs, and call the police. Collect the other driver's name and license plate number, and request a traffic police accident report. Next, call your insurance company to report the accident in detail. Insurance usually covers third-party compensation, but repair costs depend on whether the policy allows someone else to drive the car. Before sending the car for repairs after the accident, take photos as evidence to facilitate damage assessment. If the borrower is a friend, discuss a fair way to share the repair costs. Regularly review your insurance policy terms to ensure sufficient coverage in case of accidents, which can save you a lot of hassle.
