If A loans their car to B and B has an accident or a moving violation in said vehicle without a valid drivers license what is A's liability ?
2007-08-17 09:59:53 · 8 answers · asked by novguy39 1 in Cars & Transportation ➔ Insurance & Registration
If A lends their car to B and B has a moving violation without a valid driver's license, A has absolutely no liability.
If A lends their car to B and B has an accident (with C) without a valid driver's license, A may incur some or all of the liability. If B is not at fault and the accident occurs in a state where C is barred from recovery, A has no liability. If B is at fault, A will have liability in the accident as the registered owner of the vehicle. A's insurance will cover B for liability and A's car for Collision subject to the policy limits and deductibles. A's insurance CANNOT deny coverage to B unless unlicensed drivers are specifically excluded in the liability coverage. I've reviewed lots of policies in my time, and NONE of them make a valid license a requirement for coverage. So long as B hes permission and is not using the car to deliver goods for work or the car is not damaged due to riot or nuclear accident (or some other common exclusion) B is covered. The fallout from the accident will be an at-fault accident on A's record and a possible rate increase. Also, A's insurer will issue a Risk Advice that A has lent the vehicle to an unlicensed driver. That may result in an additional rate increase and/or nonrenewal of the policy.
The moral of the story: Don't let anyone tell you that A's insurance won't cover B becuase it's just not true.
2007-08-17 13:12:51 · answer #1 · answered by sactoking 2 · 0⤊ 0⤋
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2016-09-26 17:10:37 · answer #2 · answered by Debra 3 · 0⤊ 0⤋
You can't ticket a vehicle for a moving violation -- only the driver. Insurance follows the vehicle, therefore in the event of a collision the vehicle insurance will pay for the damages. The car CAN be impounded. It isn't against the law to let an adult drive your car without a license -- you may be your brothers' keeper but you're NOT his parole officer, etc. If person 'A' crashed into a tour bus filled with old people coming home from Bingo and caused 850K dollars in damages and injuries the judge will be looking to YOU for the excess of your policy limits.
2007-08-17 17:36:37 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Even if he has a license, your liability is still 100% in the case of an accident. Unless you knew he didn't have a license and loaned your car out anyway, in which case you would pay out of pocket instead of through insurance for any losses. The violation would be his to pay, but if it led to your car being impounded and towed, that would be your bill to pay.
2007-08-17 11:17:19 · answer #4 · answered by oklatom 7 · 0⤊ 0⤋
Any accidents caused by B is the responsibility of A. If person B receives a ticket for not having a valid DL person A can potential also be held responsible depending on the situation.
2007-08-17 10:16:32 · answer #5 · answered by Michael K 4 · 0⤊ 1⤋
the car owner carries all responsibility in that situation, and "A"'s insurance may not pay if "A" allowed B to borrow a car knowing B has no lic. If you are considering loaning out a car, ask the other person for their lic. your insurance agent should be able to run it for you and tell you if B is a risk or safe driver, also ask if your policy allows other drivers, some don't
2007-08-17 10:07:03 · answer #6 · answered by Anonymous · 1⤊ 0⤋
"A" is responsible overall. "B" will get a ticket for driving without a license and insurance. The "A" will get a ticket for allowing an unlicensed and uninsured driver to operate his vehicle. "A"'s insurance will probably not cover any accident liability.
In the end....."A" gets to pay.
2007-08-17 10:22:43 · answer #7 · answered by sensible_man 7 · 0⤊ 0⤋
(A) IS RESPONSIBLE FOR EVERYTHING.
2007-08-20 04:46:19 · answer #8 · answered by Anonymous · 0⤊ 0⤋