What is included in pain and suffering?
The phrase “pain and suffering” refers to a legal term that describes both the physical and emotional injuries suffered by a victim following an accident. Any substantial physical pain or mental anguish you suffer following an accident may qualify as pain and suffering for settlement purposes.
What happens if your friend crashes your car?
If you get injured while driving a friend’s car, your friend’s insurance will likely cover it because it was their car, not yours. Likewise, if your friend crashes your car, your insurance will cover it because it was your car that was damaged, not theirs.
What happens if someone else is driving my car and is at fault?
There are some scenarios where you do not have to worry about your insurance. If your friend is driving your car and gets in an accident, but the other driver was at fault, then the at-fault driver’s insurance will cover the damages and costs. Your insurance situation can get more serious if your friend was at fault for the wreck.
Who is liable if someone else gets into my car?
Since it was your car and therefore your insurance applies, you can be held personally responsible for covering the rest of the costs, which could be financially damaging. Before letting a friend borrow your car, you should know if they have insurance coverage.
What happens if your friend drives your car without your permission?
Scenario No. 5: Your friend drives your car without your permission and crashes it. You’re not likely to be held accountable for the damages because your friend borrowed your vehicle without your knowledge. In this case, your friend’s insurance (assuming he or she has it) will kick in first.
Who is liable if a friend causes a car accident?
If a car owner lends the car to a friend, and the friend causes an accident that injures somebody else, the car owner’s insurance acts as primary coverage for the injured person’s recoverable damages. The secondary liability coverage is the driver’s liability insurance.
What happens if I let my friend Drive my Car?
Your liability coverage would not pay for your friend’s medical bills or repairs to your car. If your friend damaged your car in the accident and you have collision coverage, it may help pay to repair your vehicle. Keep in mind that you will have to pay your deductible.
There are some scenarios where you do not have to worry about your insurance. If your friend is driving your car and gets in an accident, but the other driver was at fault, then the at-fault driver’s insurance will cover the damages and costs. Your insurance situation can get more serious if your friend was at fault for the wreck.
What happens if your friend steals your car?
If it’s a stranger, then you will not be held liable for the other person’s injuries if there are any, but your collision coverage will be used to pay for your car’s damages. It can be tricky if your friend steals your car because you’ll have to prove that they did not have permission to do so.