Car Accident Driving Someone Else’s Car


Driving Someone's Car in Accident
Driving Someone’s Car in Accident

Getting in an accident while driving someone else’s car is a double nightmare. Of course, no one wants to be in a car accident. But the feeling is worse when you are driving another person’s vehicle. Even if the crash is not your fault, you know it is going to be a hassle for the car’s owner. Whether the car in borrowed or rented, it is a very bad feeling.

Our car accident lawyers deal with this situation frequently. We have had many cases where our client was driving a friend’s car or a rental car. The cases we handle involve the other vehicle being at fault. However, we also will advise people who call our office even when they are at fault.

There are several insurance issues that have to be sorted out after a car accident. First, if you are injured in an auto accident, your insurance pays your medical bills.  This is true regardless of who was at fault, and even if you are driving someone else’s car. However, if you don’t have auto insurance, the insurance for the vehicle you are in will pay. That is called “No-Fault” insurance.  No-Fault insurance is usually limited to the first $20,000 in medical bills. If your medical bills are higher than that, your health insurance will take over. Then, if the other driver was at fault, you have an additional case against their insurance.


Another important issue is who pays for the damage to the car you were driving.  Hopefully the owner of the vehicle has “collision coverage.” If so, they can be sure the car will be fixed or replaced. Otherwise, it depends on who was at fault. If you were at fault, your auto insurance will pay. If the other driver was at fault, their insurance will pay. However, if the owner has collision coverage, he won’t have to wait for fault to be decided. His insurance will pay, and they can be reimbursed later from the at-fault driver’s insurance.

David Rochlin and Pam Rochlin are car accident attorneys with 25 years’ experience. We have helped thousands of people injured in car accidents throughout Minnesota. When you call our office, we will provide a free initial consultation. We will answer your questions and explain the insurance issues. If we take your injury case, we will protect your rights and make sure you get the compensation you are entitled to.