{"id":2860,"date":"2019-09-12T10:00:00","date_gmt":"2019-09-12T15:00:00","guid":{"rendered":"http:\/\/ayala-insurance-service.one.zysites.com\/blog\/i-had-an-accident-in-my-friends-car-now-what\/"},"modified":"2019-09-12T10:00:00","modified_gmt":"2019-09-12T15:00:00","slug":"i-had-an-accident-in-my-friends-car-now-what","status":"publish","type":"post","link":"https:\/\/www.ayalainsurance.com\/es\/blog\/i-had-an-accident-in-my-friends-car-now-what\/","title":{"rendered":"I Had an Accident in My Friend&#8217;s Car, Now What?"},"content":{"rendered":"<p><span id=\"litH1\" style=\"text-align: left;font-family: Helvetica, Arial, sans-serif, 'Ubuntu';font-size: 20px;color: #363636;line-height: 24px;font-weight: 600\">I Had an Accident in My Friend&#8217;s Car, Now What?<\/span><\/p>\n<p>        <span id=\"litContent\" style=\"text-align: left;font-family: Helvetica, Arial, sans-serif, 'Ubuntu';font-size: 14px;color: #808080;line-height: 24px;font-weight: 400\"><\/p>\n<p>Auto insurance providers tend to sign their policies with the understanding that a lot of people loan their cars out to family and friends. A policy is not immediately invalid because someone else is driving your car. However, there are plenty of good reasons why some people won&#8217;t let anyone else behind the wheel of their car. If you had an accident in a friend&#8217;s car, here&#8217;s what you need to know:<\/p>\n<ul>\n<li>If you are not at-fault, the liability insurance of the party who caused the accident pays for the damages, just like it would in any other accident.<\/li>\n<li>If you are at fault, car insurance tends to follow the car. This can be a little confusing, since you can cover a rental car under your own car&#8217;s policy, but when it comes to borrowing a car, you&#8217;re relying on that owner\u2019s insurance. But in this instance, the owner&#8217;s insurance will cover most of the costs involved the accident.<\/li>\n<li>The lender is knowingly taking responsibility for their friend when loaning the car. This means that their rates often will go up following an at-fault accident, even if it was their friend driving the car.<\/li>\n<li>If you are injured driving a friend&#8217;s car, their liability protection will cover the costs.<\/li>\n<li>In instances where the claims exceed the owner&#8217;s insurance limits, the driver&#8217;s insurance may be tapped to make up the difference. If the driver is uninsured and unable to cover the costs, litigation against the driver, the car-owner or both may follow.<\/li>\n<\/ul>\n<p>A lot of trust goes into the act of lending someone a car, and both the driver and lender take on a fair share of risk. Generally, it&#8217;s a good idea to only borrow or lend a car when all other options have been exhausted. If a trip can be made by bus, carpool or bicycle ride, then it&#8217;s a good idea to do just that, and only borrow a car as a last resort.<\/p>\n<p><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>I Had an Accident in My Friend&#8217;s Car, Now What? Auto insurance providers tend to sign their policies with the [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"0","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2860","post","type-post","status-publish","format-standard","hentry","category-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/posts\/2860","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/comments?post=2860"}],"version-history":[{"count":0,"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/posts\/2860\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/media?parent=2860"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/categories?post=2860"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/tags?post=2860"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}