Uninsured Car Accident, Don’t Know if We Can Afford a Lawyer

I love my daughter, but she lent her boyfriend our car without our permission. He had an accident (she was not in the car – thankfully). He hardly has a scratch, but the driver of the other car is claiming all sorts of injuries. I don’t think my daughter’s boyfriend can afford a lawyer and I have no idea how exposed we are because it was our car? Can anyone shed some light on this?

A:You need to report this to your insurance carrier immediately. This is a complicated legal situation. The most important thing is what your insurance contract says with your insurance carrier. You need to read the insurance contract carefully and pay attention to the exclusions and definitions.

The probability is that your insurance carrier will be on the hook for paying for the injured party’s damages. If your insurance carrier does not make a reasonable settlement offer to the injured party and the injured party has to file a lawsuit, then your insurance carrier will probably have to hire a personal injury lawyer to defend you daughter’s boyfriend. You can check out my book, “The Truth about Buying Washington Auto Insurance” for more information on insurance.

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