I was driving someone else’s car and they don’t have insurance to protect other drivers. I got in a collision. Whats gonna happen?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Dec 20, 2012

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Insurance Question from Visalia, CA

Asked on 12/20/2012

I was driving someone else’s car and they don’t have insurance to protect other drivers. I got in a collision. Whats gonna happen? I hit another car and they reported the collision and both insurance companies now I just have not heard anything yet other than my side of what happened. Also, one person in the car I hit seems to be faking injuries and she got some tests done and she was ok. Will I have to pay for those too even if she's faking it? Whats gonna happen next?

Answer given on December 26, 2012

If you were driving another person’s car and they had any kind of insurance, they must have liability insurance. Liability insurance not only covers damages to other cars (property damage) but also for injuries to others in the accident (bodily injury). Insurance follows the car, so your insurance would not be involved unless the limits of insurance for the owner of the cart are not sufficient to pay for the damages and injuries to all parties in the accident.If you are contacted by the other driver’s insurance, refer them to your friend’s insurance company, or to him to refer them to his insurance. If you are advised the insurance for your friend was not enough, then you need to report the incident to your insurance company and let them handle any additional settlemet with the other driver. Do not try to settle this on your own.If you are contacted by your friend’s insurance company, cooperate with them by advising what happened. They will need your statement to settle the claim with the other driver.


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