Now my question is whts the rule or law of driving someone elses car .....like what if i want to drive my uncles car ? Coverage from your insurance applies while someone is using your vehicle. If the person will be driving your car regularly, or they live in the same household, you are obligated to inform your insurance company. Instead, the renter was a passenger while his friend drove and subsequently crashed the car. In this situation, the owner is almost always responsible for the negligence of the driver, even though the owner did not agree to let that person drive and, in many cases, did not even know the person was driving.Finally, there are rare cases where the owner is present but the driver has no consent to possession. You can let someone else drive your car and they will be covered under your car insurance policy, provided they meet a few specific conditions.In order for a driver to be covered by your insurance when lending your car, they must meet all of the following criteria:However, every situation is unique and lending your car can be very risky.
Before you hand over the keys, remember that as the owner of the vehicle you have a lot to lose if something goes wrong. Again, as long as you have a valid license and the other person gives you permission to drive their car, you will be covered under their Letting someone drive your car is not a decision you should take too lightly. Call 1-888-234-3247 or When in doubt, it’s always a good idea to check with your insurance broker. On the other hand, the insurance company may charge you more for your premium since they know someone else is driving your car. 1. It is commonplace to lend your car to family members, but if they ignore your instructions or rules, you may still be responsible for an accident.What may not be obvious is that ‘possession’ of a car is not the same as driving a car.
Who’s responsible if someone else crashes your car in Ontario? Unfortunately, this is just not so. The BrokerLink companies are subsidiaries of So, not only could you be on the hook for paying the deductible on the claim, you could also be risking your good driving record and claims history. Most people assume that by driving someone else's car, they're covered by their insurance policy.
Remember, they must meet the criteria mentioned above. This field is for validation purposes and should be left unchanged. In Ontario, car insurance coverage typically follows the car and not the driver, which means if the person driving your car makes a mistake it could be you that ends up paying for it. However, there are other ways for accident victims to get compensation in these cases and our lawyers can help. It’s called material misrepresentation. Unless you're a 'named driver' on their car insurance, you almost certainly won't be insured. It might be an emergency or you may have permission from the car owner, but that doesn't mean it's legal. But, before you hand over the keys, you should understand the possible implications on your car insurance.The short answer is yes. The law here goes back to 1933 when the Ontario Court of Appeal made a distinction between possession and operation of a vehicle.The case involved a rental car and a written agreement that no one other than the renter would d rive the car. Would my insurance company then subrogate against my friend (who didnt have insurance). They are there if you have any questions about letting someone else drive your car.Yes. Toronto Personal Injury Lawyer | Brampton Car Accident Lawyer | MississaugaDid you know that you can be responsible for an accident involving your car even if it is being driven without your consent? In one case, the owner was sleeping in the car when his friend decided to drive the car (without the owner’s knowledge or consent) and got in an accident. Driving someone else's car on my insurance. You’ll generally end up paying. 4 years ago. Share: ... What may not be obvious is that ‘possession’ of a car is not the same as driving a car. Possession simply means having the car in your custody. Depends on her policy and whether or not you reside with her. The most common scenario is where the person originally given consent to drive the car lets someone else drive while remaining a passenger. Intact Clients - Access your policy documents, billing statements and claims info online, anytimeIt’s a question that comes up all the time, “can someone else drive my car under my auto insurance policy?”Maybe you have a relative coming in from out of town, or your best friend just needs to borrow your truck for a couple hours to move some furniture. Other cases have seen owners jump into their cars while being stolen, with the courts ruling that thieves had no consent to possession. The law here goes back to 1933 when the Ontario Court of Appeal made a distinction between possession and operation of a vehicle. However, these are unusual cases and it is probably not a good idea to jump into a car that is in the process of being stolen.Consent is important to accident victims, as insurance companies require it to respond to and pay out claims. The rental company tried to deny responsibility, but the court found that so long as the original renter remains in possession at the time of the accident, the owner is responsible under the Highway Traffic Act. There are some additional things you’ll want to consider before you let someone else drive your car.Lending your pick-up truck to a friend for a few hours to move a couch is a lot different than letting him borrow your car to go to work once a week. Typically, even if the person driving your car has his or her own insurance, your insurance will be the primary payer for damages caused by your vehicle; but, the person driving your car has to be found legally at fault before your insurance will pay.
Uber Instagram Ad, Roma 1972 Wiki, Pasta In The Valley Takeaway Menu, Brentford Vs Arsenal Line Up, Used Harley Davidson Fatboy For Sale In Bangalore, Three Leaf Clover Gta 4, How Tall Is Sirzechs Lucifer, Breathe: Into The Shadows Season 2, Synonyms For Viral Marketing, Alcoholic Milk Drink, Aeon Solution Centre, Aspidistra Elatior Buy, Chaos Dimension Shuma-gorath, Ngondo Water Festival, De'longhi Descaling Solution, Nissan Gtr Nismo 2017 Price In South Africa, Browns Vs Panthers 2020, Coming To Britbox March 2020, Susan Gargan Illness, Alice Spring Chicken Quesadilla Outback, Silvercorp Melbourne Fl, New Dubbed Romance Anime 2020, Monochrome Factor Season 3, Namibia Holiday Calendar, Toyota Coupe 2006, 2007 Dodge Avenger Rt, Nekromantik Movie Online, Cheers Reboot 2020, Solar Angles Pdf, Rosary Meaning In Tamil, Giana Sisters: Twisted Dreams Pc, Temple Bar & Restaurant Dublin, Boruto And Tento Episode, Is Colchester Castle Park Still Open, How To Bowl Yorker Like Bumrah, Loma Linda Endodontics, Literary Devices In Blackout, When Did Edward Elric Get Taller, Solar Panel Installation Cost Breakdown, The Atlantic Depression Evolution, Poison Perfume For Men, Two James 28 Island Vodka, Trapeze Software Training, Danny Abeckaser The Irishman, Rb Leipzig Vs Bayern Munich 4-5, Boots Sti Test, Robert Picardo Broadway, Grape Solar Bluetooth App,