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Determining liability in borrowed car crashes

In Texas and elsewhere, a car insurance policy follows the car as opposed to the driver. Therefore, if an individual gets into an accident in a borrowed vehicle, the vehicle owner's insurance policy would determine what is covered and what isn't after the crash. In some instances, the driver's insurance policy may also be used to cover any damages.

This assumes that the person who borrowed the car was negligent in causing the crash. It also assumes that the driver has insurance to cover any damages that the car owner's policy would not. There are instances in which the owner of the vehicle may not be liable for any damage caused in a crash caused by another driver. If a driver is excluded from a policy for any reason, the owner of the car would not be responsible for his or her actions behind the wheel.

If a car is borrowed without the owner's permission, the owner isn't responsible if the driver gets into an accident. Typically, this means that the owner would be absolved of both civil and potential criminal charges. However, if the owner of the vehicle knows that an impaired or unlicensed driver is driving his or her vehicle, he or she may still be held liable.

Those who are injured in a car crash may benefit from talking to an attorney. It may be possible to collect compensation for medical bills and lost wages. Lost future earnings may also be included in a jury award or negotiated settlement. Legal counsel must generally prove that the driver who caused the crash acted in a negligent manner. This may be done by showing that this driver was intoxicated at the time of the crash or was driving too fast for road conditions.

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