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If my friend was driving my car and got into an accident, who's insurance company is responsible for paying the damageIf my friend was driving my car and got into an accident, who's insurance company is paying for the damages? Mine or his? And what happens if I don't have insurance? Attorney answers (3)
Reputation Level 13
Answered about 3 years ago.
Car / Auto Accident Lawyer in Mount Sinai, NY.
Please note that I am only licensed in New York and this is for informational purposes only.
I'm not sure about TN law, but in New York, both of your policies potentially could kick in. The owner's insurance would be primary, and the operator's policy would be secondary. If you do not have insurance, the coverage would "drop down" to the driver. I hope this helps.
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Reputation Level 7
Answered over 2 years ago.
Car / Auto Accident Lawyer in Nashville, TN.
If you had coverage at the time, your insurance would pay first since he was using YOUR car with YOUR permission. If you don't have insurance, then his insurance would cover him for his possible negligence. It wouldn't cover you for your negligence (if for example he was a reckless driver and you knew it but let him drive anyway), nor would it cover the damage to your car unless it was due to the negligence of your friend.
Reputation Level 20
Answered about 2 years ago.
Lawsuit / Dispute Attorney in Chicago, IL.
You need a lawyer.
A very solid approach is to talk to friends and trusted persons in your community who have experienced a similar problem you face to get ideas about lawyers. Ask them who their lawyers were and how they rated the lawyer. Lawyer referral services are another source of information. Many quality lawyer referral services exist to help you sort through all the basics about the lawyer. Those with the highest ratings that are offered can be a good place to start your specific search. The best way to decide is by talking to the lawyer. The insight into the lawyer's approach can help you decide if the lawyer is right for you. Whether the lawyer is willing to spend a few hours to be your advisor may show you the lawyer will be aggressive in your case later on. Finally, don't make up your mind about hiring a lawyer until you've met him or her. Click the Lawyer Search tab on Avvo and look for an attorney in your area. Finally, you might find my Legal Guide helpful "What Do I Tell My Lawyer"? http://www.avvo.com/legal-guides/ugc/what-do-i-... or You might find my Legal Guide helpful "Ethics: Yes I Need a Lawyer!" http://www.avvo.com/legal-guides/ugc/ethics-yes... Good luck to you. God bless. NOTE: This answer is made available by the out-of-state lawyer for educational purposes only. By using or participating in this site you understand that there is no attorney client privilege between you and the attorney responding. This site should not be used as a substitute for competent legal advice from a licensed professional attorney that practices in the subject practice discipline and with whom you have an attorney client relationship along with all the privileges that relationship provides. The law changes frequently and varies from jurisdiction to jurisdiction. The information and materials provided are general in nature, and may not apply to a specific factual or legal circumstance described in the question. Related Questions4 Attorney answers: 
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