I lent my car to a friend without auto insurance and he wrecked it. Under California law, will I be covered?


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Question:

I lent my car to a friend without auto insurance and he wrecked it. Under California law, will I be covered?

Answer:

In California, it is estimated about 22% of all vehicle operators are uninsured - an ominous fact for the state with the highest number of vehicles in America. This is in spite of California law that makes the carrying of vehicle insurance mandatory.

Vehicle Insurance Laws And Uninsured Motorists In California

All uninsured motorists in California are breaking the law. California requires all vehicle owners to obtain a minimum of insurance for their vehicles before operating them. This makes California a mandatory automobile insurance state. In mandatory states, a policy usually permits someone else to drive. This uninsured driver, unless specifically excluded from the policy, is covered under the heading “permissive driver.” 

Yet, while the driver may be actually responsible for the accident, it is the owner of the car – the holder of the policy, who must face the problems of permitting an uninsured driver at the wheel of his or her insured vehicle. As a result, the owner of the vehicle will suffer for the consequences. He or she will rely on the extent and type of his/her insurance to repair the damages. This will affect the owner of the vehicle’s, premium rates.

Consult An Attorney

Insured and uninsured motorists operating in California need to talk to an attorney in this case. A lawyer qualified in California automobile accident legal matters will provide some guidance about the roles of the insurance provider, the driver and the vehicle owner. Only he or she may be able to make some sense of this matter.

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