Sometimes we borrow someone’s car because our vehicle is not available. But what happens if you are in an accident while driving someone else’s car in New York City? Do you know what to do to protect yourself and your right to recover compensation for damages?
Report the Car Accident To the Police
Call 911 immediately to report the car accident to the police. Police officers respond to the scene to complete a car accident report . You are responsible for filing a crash report within ten days of the accident date if the police do not respond.
After a car accident, it is always prudent to be examined by emergency medical services and a physician. In order to recover compensation for damages resulting from a car accident, it is essential to document your injuries.
Report the Car Accident To the Owner
New York mandates that all car owners carry a minimum level of auto insurance coverage. In New York City, drivers are required to have auto insurance coverage that includes:
- $10,000 for damage to property
- $25,000 for bodily injury and $50,000 for a fatality for one individual.
- $50,000 for injuries to two or more people ($100,000 for fatalities).
Typically, automobile insurance coverage follows the vehicle. If you cause a car accident, the owner’s insurance company should be liable for damages. If you do not have permission to drive the vehicle, however, the insurance company may deny coverage.
Similarly, the insurance company may deny your claim if you routinely operate the vehicle without being listed as an authorised driver. In order to save money on insurance premiums, omitting drivers from the policy could constitute a breach of contract. Occasionally borrowing a person’s car is distinct from being a regular driver.
Filing a Claim Against the Driver Who Hit You While You Were Driving Someone Else’s Car in New York City
The same liability laws apply regardless of whether you were driving your own automobile or a borrowed one. If the other driver was at fault for the collision, you could file a personal injury claim against him or her.
The vehicle owner files the vehicle’s property damage claim. The owner negotiates with the insurance company to resolve the claim for property damage. However, you can file a claim for damages related to personal injuries.
Damages for a car accident generally include economic damages . These financial losses consist of, but are not limited to:
- Medical bills
- Personal care and home maintenance
- Loss of earnings
- Health care
- Cash-paying expenses
- Physical treatment
- Reduced earning potential and future wage losses
You may also be entitled to compensation for non-economic losses. These damages may include the pain and suffering you endured as a result of the accident. In addition, they include emotional distress, permanent impairments, and diminished quality of life.
What Happens if the Other Driver Does Not Have Insurance Coverage?
If the driver who hit you is uninsured, you may be compensated by the vehicle’s owner’s insurance company if they have uninsured motorist coverage. Uninsured motorist coverage reimburses you for your losses and damages as if the at-fault driver were insured.
Before you can recover compensation for an uninsured motorist claim, you must establish that the other driver was at fault.
However, you may also be entitled to compensation under the Personal Injury Protection (PIP) coverage of the vehicle’s owner. PIP is no-fault insurance coverage that compensates for medical expenses and lost wages following an auto accident. After a car accident, the compensation is limited, but it can provide some financial relief.
Do I Need a Lawyer if Another Driver Hits Me While Driving a Borrowed Vehicle?
Always seek legal counsel from an experienced auto accident attorney. Insurers attempt to avoid liability for automobile accident claims. Trusting the insurance adjuster to advise you in your best interests is therefore not a wise decision.
Additionally, accidents involving rented vehicles can be complex. There may be multiple options for damage compensation. However, in order to receive compensation under a liability insurance policy, you must prove causation and fault.
Understanding the insurance coverage that applies to your situation can be difficult. A New York City car accident lawyer has knowledge of insurance coverage. A lawyer is able to verify coverage, file insurance claims, and handle all related matters.
The objective is to obtain the maximum available compensation for your injuries and damages. Unfortunately, driving another person’s vehicle complicates matters. However, an experienced personal injury attorney can cut through the red tape to get you the compensation you deserve following a car accident.
Contact Our Personal Injury Law Firm
Contact Abrams Law Group for a free consultation if you’ve been hurt in an accident and require legal assistance.