At Ashmore & Ashmore Law Firm, we understand that life in Rockwall and Terrell often means sharing your vehicle with family members and friends. But have you ever wondered what happens if someone else drives and gets into a car accident in Texas? This situation can create confusion about insurance coverage, liability, and your legal responsibilities as a vehicle owner.
Your Insurance Follows Your Car in a Texas Car Accident
The most important thing to understand is that auto insurance typically follows the vehicle, not the driver in Texas. This means that if you loan your car to a friend or family member who then gets into a car accident, your insurance policy is generally the primary coverage for the incident—even though you weren't behind the wheel.
Here's what you need to know if someone else crashes your car in Texas:
If the Borrower of Your Car Was At Fault
When someone driving your car causes an accident in Texas:
Your liability insurance will typically cover damages to other parties up to your policy limits
Your collision coverage (if you have it) will pay for repairs to your vehicle minus your deductible
You may see an increase in your insurance premiums at renewal time
If damages exceed your policy limits, the driver's personal auto insurance may provide secondary coverage
"Many vehicle owners are surprised to learn they're financially responsible when someone else crashes their car," says Attorney Jennifer at Ashmore & Ashmore Law Firm. "This is why we recommend reviewing your policy limits and considering whether you have adequate protection."
If Another Driver Was At Fault
If another driver caused the accident while someone else was driving your car:
The at-fault driver's insurance should cover damages to your vehicle and any injuries
You should file a third-party claim with the at-fault driver's insurance company
Your insurance rates shouldn't increase since your policy isn't paying for the damages
If the at-fault driver is uninsured or underinsured, your uninsured/underinsured motorist coverage may apply
Steps to Take After an Accident in Your Car (Even When You're Not Driving)
Ensure everyone's safety first - Check if anyone needs immediate medical attention
Report the accident to police - Texas law requires reporting accidents involving injuries or significant property damage
Gather evidence and information - Names, insurance details, photos of the scene, and witness contacts
Notify your insurance company promptly - Be honest about who was driving your vehicle
Document all expenses - Keep records of medical bills, repair costs, and other accident-related expenses
Consult with a personal injury attorney - Especially if there are injuries or liability disputes
Important Exceptions to Be Aware Of
Your insurance may deny coverage if:
The driver didn't have permission to use your vehicle
The driver is specifically excluded on your policy
The driver was unlicensed or intoxicated (and you knowingly allowed them to drive)
"Lending your car to someone who's clearly impaired or doesn't have a valid license could expose you to serious liability under Texas' negligent entrustment laws," warns Attorney Jennifer. "As a vehicle owner, you have a responsibility to ensure your car is operated safely."
How Ashmore & Ashmore Law Firm Can Help
Dealing with the aftermath of a car accident—especially involving someone else driving your vehicle can be complicated. At Ashmore & Ashmore Law Firm, our experienced personal injury attorneys in Rockwall and Terrell can:
Review your insurance policy to determine available coverage
Communicate with insurance companies on your behalf
Help establish liability and fault
Protect you from unfair blame or financial responsibility
Fight for fair compensation for injuries and damages
Contact our office for a free consultation if you're facing this situation. We'll explain your rights and options under Texas law and help you navigate the complex insurance and legal issues that arise when someone else crashes your car.
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