Car Accident FAQs: Part Three
This legal guide will provide more answers for frequently asked legal questions relating to car accidents.
If I let a friend borrow my car, are they covered if they get in an accident?Most companies have policies that provide coverage for permissive users. It covers people driving your car with your permission. However, there may be gray areas. If you leave the keys on the table, and your friend takes the car for a quick trip to the store, is this a permissive user? It may be implied, but the situation is ambiguous.
Who pays for the rental car while my car is in the shop being repaired?If the other party is at-fault (you have submitted a liability claim), then their insurance company should pay for a rental. If your car has been totaled many companies will pay for your rental until a settlement has been offered. If the accident was your fault, and your company is paying for the repairs, then you must have rental reimbursement coverage to pay for a rental.
My child is leaving home to attend college. Do I still need to include him on my policy?Yes, unless he has his own car and insurance policy. Insurance companies realize that when your child comes home from college, he will be driving your cars. Some companies do have lower rates if the child is considered for part-time operators or lives more than a specified distance from home.
Should you call 911?While there is no law that says you MUST call 911 after an accident when no one is injured, it is a good idea to notify police and file a report if there is damage to either vehicle. If someone is injured you should always notify local law enforcement.