Generally, it is quite possible to lend your car to a friend or family member. Be careful, however, to look carefully at the warranty conditions in the event of a violation or accident. This is to avoid unpleasant surprises.
Car accident.. we tell you everything!
Nothing in the law prohibits you from lending your car to a loved one. As long as he has a driver’s license. Child, spouse or friend can take the wheel for you. Where this can be a problem is with insurance companies that do not always accept the loan or cover third-party drivers in the event of an accident. Don’t worry, we explain everything in this article. Read on!
Check with your insurance
In fact, insurance does not cover all third-party drivers equally. Indeed, some establish “exclusive driving clauses” which now prohibit the loan of the car. While others limit the loan to family only, that is to say (ascendants, descendants and spouse).
Also, there are insurances that prohibit novice drivers, less than two years of license. In fact, in most cases, the loan of the car is done without any restrictions. As long as it is for private and exceptional use.
An increase!
However, in the event of a car accident, your insurance may apply a deductible increase. For more security, you can declare to your insurance a main driver, a secondary or an occasional on a purely nominative basis.
To protect yourself as best as possible in the event of a glitch, remember to read the terms of your contract carefully. Be careful, if you do not respect these, the insurance may refuse to compensate you or do so to a lesser extent.
What are the risks in the event of a car accident?
If a person gets behind the wheel of the car and a traffic accident or offense occurs, who is responsible? It is your insurance or his that pays for any material damage and bodily injury.
On the other hand, if the occasional driver is responsible, in this case, it is the civil liability guarantee that intervenes. This can then apply a deductible increase or simply refuse to apply if your loved one is not named in the contract. In which case it will be up to you, the owner of the vehicle, to assume all or part of the costs.
If your contract with the insurance does not authorize the loan, it is you who will then cover the damage or the borrower if you wish to exercise his civil liability. Also, in the event that the borrower does not have a car license or was driving under the influence of alcohol or drugs… The insurance can terminate the contract.
In this case, the damage caused to third parties will still be compensated.
In the event of a car violation!
Moreover, in the context of an offence, for example if the driver is flashed by a radar, the fine is automatically sent to the owner. If you want to prove that you were not driving and that it is transmitted to the driver of the vehicle at the time of the facts… You can then dispute it by presenting a request for exemption.
