Is Owner of Car Responsible When Driver Causes Accident?


Our car accident lawyers have been involved in many cases where the crash was caused by someone driving another person’s car.  We are often asked: Is the car owner still responsible if someone else driving their car causes an accident?  The answer is usually yes if the accident occurred in Minnesota.

For many years, Minnesota has had a safety responsibility law that requires every car owner to insure their vehicle, and the law also holds the owner responsible for any damage or injury caused by their car, regardless of who was driving it.  The only exception to this law is if the car is stolen or taken without the owner’s permission.  However, “permission” is interpreted very broadly in Minnesota and claiming the driver did not have permission to take the car is often unsuccessful if the owner knew the driver and had let the driver use the car in the past.

In fact, if someone who borrowed another person’s car causes an accident, it is the insurance for the vehicle that is primarily responsible, even a head of the car insurance of the driver.  The driver’s insurance is considered “excess” and only comes into play if the injuries and damage exceed the coverage of the car that caused the crash.

If you have been injured in a car crash in Minnesota, please call us and speak with an attorney for a free consultation. Our lawyers‘ have over 25 years’ experience successfully representing hundreds of people to make sure they receive fair and complete compensation for their car accident injuries.