Why Can't Private Cars Be Lent to Others?
2 Answers
As long as the car is lent to others, in the event of an accident, the owner will bear joint liability for compensation regardless of the circumstances. The following is a related introduction about private cars: 1. Introduction to private cars: Private cars are purchased by individuals, who have the right to use and control them, and can freely use and control the vehicle without violating the law. 2. Policies on private cars: On May 16, 2014, in response to the problems existing in the current motor vehicle inspection work, the Ministry of Public Security and the General Administration of Quality Supervision, Inspection and Quarantine jointly issued the "Opinions on Strengthening and Improving Motor Vehicle Inspection Work", introducing a series of new measures such as exempting non-operational cars from on-line inspection within 6 years on a trial basis, implementing cross-regional motor vehicle inspection, and comprehensively promoting the socialization of inspection institutions.
Having driven for twenty years, I deeply understand why you shouldn't casually lend your car to others. First, insurance is a major issue—if the borrower gets into an accident, the insurer might deny the claim because policies often state coverage only applies when the owner is driving. My colleague Lao Li is a classic example: his buddy borrowed his SUV for a trip, rolled it, and scraped a tree. The insurance didn’t cover it, leaving Lao Li to pay tens of thousands for repairs. Second, legal risks can’t be ignored. If the borrower flees the scene or speeds recklessly, liability could fall on the owner, ranging from fines and points to lawsuits. Even close relationships can sour over car disputes—like last week when my relative returned my car with a new scratch. It hurt, but I bit my tongue, and over time, it strains bonds. My advice? Make it a habit: if you really want to help, use a rental service or drive them yourself to avoid endless trouble.
