As a general rule, so long as you gave permission for the individual to borrow your car to drive, and he or she did so pursuant to you giving permission, your insurance policy will cover damages that result from an accident. However, any vehicle insurance policy that the driver of your vehicle has also may cover some of the losses on a secondary basis, especially if your policy is maxed to the limits by the damages from the accident. The downside to this situation, of course, is that any accident or insurance payout is likely to be placed on your insurance record, which can result in a substantial increase in your insurance policy premiums.
Whether an individual had permission to drive your case is not always as clear-cut as it might first seem. Common situations in which another person might have to consent to drive your car include a babysitter driving your kids to school or to the park, or your sister-in-law borrowing your car for a few days while she is getting her own vehicle repaired. However, if a friend simply borrows your car without your knowledge on a particular occasion, even if he has done some regularly in the past, there may be a question as to whether you have any liability for any accidents that result.
The amount and quality of the insurance coverage that you have available also is a factor that determines your responsibility for an accident that occurs when another driver crashes your car. For instance, if the driver is uninsured, you may face additional liability under your own car insurance policy. If your policy places certain limits on personal property damage and bodily injury damages, then you could be personally liable for any expenses of a car accident victim that exceed your policy limits.
Personal injury law can be complex, and the outcome of personal injury claims can be extremely fact-specific. As a result, you will need the legal advice and guidance of experienced Madison personal injury attorneys in order to make certain decisions about your potential claim. For more information about whether a personal injury claim is an option for you, based on the facts and circumstances surrounding your case, contact the Wisconsin personal injury lawyers of Boller & Vaughan today.
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We live in Friendship, Wisconsin, and Boller & Vaughan came to our doorstep to discuss our mother’s wrongful death claim on a Saturday morning. Not only were we pleased with the large recovery, we were so thankful to have lawyers who were willing to explain to us every twist and turn along the way. It is great to know there is a law firm that will fight for the rights of elderly people all over Wisconsin.
Mr. Boller and Ms. Vaughan were incredible in working on my case and my daughter’s case. I was out of work and in the hospital with a new baby. Mr. Boller and Ms. Vaughan protected our rights and it was a pleasure to work with them. I hope never to be in another motor vehicle accident, however, if I am and I am injured, I will contact Boller & Vaughan immediately.
I was referred to Michelle through a friend. I have never had a better experience. It took a little over a year to get my settlement but the staff there stayed in constant contact and kept me in the loop. Oh, and Michelle actually got me MORE money than we discussed. I will refer anyone to this firm. Words cannot do justice the thanks that I have for Michelle and her staff (Mary especially) thank you guys so much!
After my husband died as a result of a motor vehicle accident, Boller & Vaughan spent countless hours talking with me, meeting with me in person, and making sure that I was okay. The drunk driver who hit us did not have any insurance, and we had to make a claim through our own insurance. Boller & Vaughan was fantastic at explaining the law to me and the handling of our claims.
After my son was injured in a daycare setting, Ms. Vaughan took the time to thoroughly investigate our case and my son’s injuries. Michele was approachable and had answers to our questions. Talking with her helped to relieve many of our anxieties.