Rights Of A Driver Or Passenger In A Borrowed Car MN Lawyer


There are many situations where someone borrows another person’s car or was driving another person’s car. Your vehicle may be in the shop and you get a loaner. Maybe you are with someone who gets sick, and you need to drive them home in their car. Or you only have one car and your husband is using it, so you borrow your sister’s car. Our car accident lawyers in Minnesota have been asked many times, what happens if someone is injured while driving a car they borrowed, or if they are a passenger in a borrowed car? What rights do they have?


When you are injured in a car accident in Minnesota, you automatically have the right to several types of insurance coverage. It doesn’t matter if you were driving your own car or someone else’s car.

First, you have the right to No-Fault benefits to pay for your medical bills and lost wages after the crash. This insurance coverage will come from your own insurance if you own a car or live with a relative who owns a car, even if you happen to be in someone else’s car at the time of the accident. If you do not have your own applicable automobile insurance, you will be entitled to coverage from the vehicle you are in at the time of the accident.

Which insurance covers you for a crash when you are in someone else’s vehicle is something our best MN car accident injury lawyers will go through with you when you call our office.


Second, if the accident is caused by another car, for example if you are rear ended, you may have the right to compensation for your pain and suffering from the insurance for the vehicle that hit you. If that vehicle is uninsured, you may have the right to insurance compensation from the insurance for the car you are in. If the car you are in is not insured, then from your own auto insurance. Again, this is something our car accident injury lawyers will go through with you when you call us for a free consultation.

Third, if you are a passenger in a loaned or borrowed car and the driver of the car you are in caused the accident, you may still be entitled to compensation from the insurance for the car you are in, even though the driver is different than the other.  If the car you are riding in doesn’t have auto insurance, then it can come from the driver or your own personal insurance. Determining which insurance has the first responsibility to provide the insurance compensation can be complicated. However, when you call our top MN auto accident lawyers, we will discuss the relevant facts of your case, get the necessary information, and then help you get the appropriate insurance coverage.

One issue that sometimes comes up for our MN car crash attorneys is if the loaned car is regularly made available to the person who has borrowed it. If it appears that the car was not temporarily borrowed but was actually regularly used by the borrowing driver, the insurance company may claim that the driver should have been disclosed on the policy and try to deny coverage.


If you are injured in a car accident while you are in a vehicle you borrowed or the driver borrowed, please call our Minnesota personal injury lawyers for a free consultation. Pam Rochlin and David Rochlin are Minnesota personal injury attorneys with more than 25 years’ experience handling hundreds of car accident cases. Pam was a former partner at Meshbesher & Spence, offering personal attention to her clients.

You definitely have rights to compensation for medical bills, lost wages, and pain and suffering if you have borrowed someone’s car and are driving the borrowed car, or if you are a passenger in a car someone borrowed.

Our auto accident injury lawyers in MN can meet with you to discuss to discuss your case at our offices in Edina, Woodbury and Minneapolis. A top car accident attorney will also meet people at their homes to discuss car accident injury cases in St. Paul, Roseville, White Bear Lake, Forest Lake, Lino Lakes, Anoka. Also, Maple Grove, Apple Valley, Lakeville, Burnsville, and other cities throughout MN. We will always provide you with a free initial consultation and we never charge anything unless you receive compensation.