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What Happens If Someone Else Is Driving My Car and Gets in an Accident?
Your New York car insurance covers them under most circumstances. In New York, car insurance follows the car rather than the driver. This applies to collision, uninsured motorist protection, comprehensive, personal injury protection (PIP), and property damage liability insurance.
What If Another Person Borrows My Car and Causes a Crash?
Your policy will cover claims for property damage and bodily injury for the other party’s losses. If the damages exceed your policy’s limits, if the person driving your car has their own auto policy, this can help fill any gaps.
What Is New York's “No-Fault” Insurance System?
Drivers in New York are required by law to carry personal injury protection (PIP) or No-Fault insurance. Injured parties typically file claims with the insurer who covered the vehicle they were in at the time of the accident.
The person who borrowed your car and any passengers would file no-fault claims through your insurance.
When Doesn't Your New York Car Insurance Cover Other Drivers?
When you did not grant the other driver permissive use. Lending your car to a friend is considered permissive use, while a theft does not qualify as permissive use.
In some cases, an insurance company may not cover permissive use or provides limited coverage.
Should I consult a Long Island personal injury lawyer if I’ve been injured?
Yes! If you’ve been injured, the experienced Long Island personal injury lawyers at Rosenberg & Gluck, L.L.P., can help you. Call (631/516) 451-7900 Attorney Advertising.