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Who's responsible for damages when you borrow a car?
"Who is responsible for damage when borrowing a friend's car? I hit a deer while borrowing my friend's car and they are now trying to sue me for damages."
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Since you were driving the vehicle, you are responsible for the damages. If you had permission from your friend to use their vehicle, their insurance should provide coverage for the damages.
However, they would need to have
comprehensive insurance
on their policy as this covers hitting an animal. They are likely suing because they don’t have comprehensive insurance or don’t want to pay their deductible. Your friend is responsible for any damages to their vehicle out of pocket. As you were driving, you can be held responsible for the damage.
If you have your own car insurance with comprehensive coverage, you may be able to see if they would cover the damage.
If not, you’ll need to try and negotiate with your friend to come to an agreement on a settlement. This may mean you need to find a lawyer to represent you as well.”
View full answer
- Gregory R.
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