If you get into an accident while driving someone else’s car, it is essential to take specific steps to protect yourself and the car owner. Communication with the car’s owner will help prevent legal problems.
Do not panic after a car accident with someone else’s vehicle. Driving someone else’s vehicle is not illegal, so long as you receive permission and have a legal driver’s license. Follow the steps below to improve your chances of facing liability.
It is vital to get the other driver’s contact and insurance information, the license plate number and the make and model of the other vehicle. You should also take pictures of the accident scene and any damage to the cars involved.
Contact the owner
Next, you should inform the car owner of the accident. It is essential to check with the car owner to ensure their insurance coverage is up to date and that they have the appropriate coverage for the accident. According to the Florida Department of Highway Safety and Motor Vehicles, Florida drivers must purchase Personal Injury Protection and Property Damage Liability insurance.
The good news is that Florida is a no-fault state. Generally, the insurance applies to the vehicle, and it does not matter who drives it. However, if the damage exceeds the insurance coverage, you might have liability for the accident. Also, some smaller insurance companies do not allow non-policyholders to drive the insured vehicle. Always check with the car’s owner before driving their vehicle.
If you get into an accident while driving someone else’s car, it is essential to stay calm. Follow the standard procedure for a car crash, and communicate with the owner.