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What Happens If a Friend Crashes Your Car & What You Should Do

What Happens If a Friend Crashes Your Car & What You Should Do

If you were a passenger and allowed your friend to drive your car, it is natural to wonder what happens if a friend crashes your car in Connecticut, and if you are personally liable. In this situation, people often wonder whether they can make a bodily injury insurance claim and whether their liability coverage will protect them from being held personally liable. 

The car accident lawyers at the Carter Mario Law Firm have been litigating insurance coverage issues arising from car accidents for over 30 years and can advise you of your legal options following a car crash.

Injury Claims Aren’t Personal: They’re about Protecting You and Your Health

When a friend crashes your car, it’s important to understand any injury claims resulting from the accident, including yours, are not personal attacks on your friendship. Instead, they are about protecting you and your health. If your friend crashed your car and hurt you and someone else, taking the necessary steps to ensure you receive sufficient compensation for your medical bills and repair costs is crucial. Additionally, you should retain a personal injury lawyer who can help you build a strong case against the negligent driver.

When Insurance Covers Damages Caused by a Friend or Family Member

If you are a car owner and a family member or friend crashes your car, you may wonder if your car insurance will cover the damages. Under Connecticut law, your insurance must provide liability coverage if a family member was driving your car and caused an accident under the family car doctrine. If your friend was driving your car, your insurance will provide primary coverage as Connecticut law presumes you gave the driver permission to use your vehicle.

When Insurance Won’t Cover an Accident Caused by a Friend

There are two instances in which your insurance company is not obligated to provide insurance coverage following a car crash. While Connecticut law presumes the driver of a vehicle has permission from the car owner to use the car, this presumption can be defeated if the insurance company proves the vehicle owner did provide their consent which means the insurance company is not obligated to provide coverage under a non-permissive use defense. Additionally, your auto insurance company is not required to provide insurance coverage if your friend is listed as an excluded driver on your auto insurance policy.

What You Should Do After a Friend Crashes Your Car

If you are a passenger in your vehicle and your friend strikes someone else’s car, you should ensure the safety of all parties involved by moving to a safe location and calling the police. It is also important to gather relevant information such as the other driver’s contact details, collision coverage policy, and a copy of their driver’s license. You should also identify potential witnesses, photograph the other person’s vehicle, and promptly notify your car insurance provider to report the incident.

Can Someone Sue You for a Friend’s Collision in Your Vehicle?

If your friend caused a serious accident while driving your own vehicle, you may be concerned about potential legal repercussions and whether the other driver can sue you for the collision. As a general rule, yes, you can be sued as the vehicle’s owner. Specifically, the other driver can sue you under a theory of negligent entrustment and obtain financial compensation from your collision insurance policy.

Talk with an Experienced Car Accident Attorney

You need strong legal representation if you were injured in a car accident in which your friend was driving your car. You may be entitled to financial compensation from your own auto insurance policy or your friend’s liability insurance policy. Contact the Carter Mario Law Firm today for a free consultation.

Summary of What to Do if a Friend or Family Member Crashes Your Car

If your friend or family member caused a car accident which resulted in you and the other driver suffering injuries, you may be entitled to compensation from your own insurance policy or the other driver’s car insurance policy for your injuries, medical expenses, lost wages, and property damage. Your car insurance company may not be obligated to provide coverage depending on the language of your insurance policy and whether your friend had your permission to drive the vehicle. Due to these complex legal issues, representation by a personal injury lawyer is essential.

Client Victories

We’ve Recovered Over $1 Billion for Clients
Just Like You


Rear-End Collision

Our client sustained a significant injury to his cervical spine after a rear-end crash. After receiving a low initial offer from the insurance company, we fought hard for our client to get him the settlement he deserved.


Medical Misdiagnosis

Our client’s doctor misread an x-ray causing a delayed diagnosis of sarcoma, which resulted in our client’s death.


Failure to Treat

Gastroenterologist and primary care doctor failed to treat or transfer our client who was hospitalized for GI bleeding, which resulted in our client’s death.


Failure to Diagnose

Our client’s doctors failed to diagnose him with abdominal cancer, resulting in his death.


Medical Malpractice

Our client suffered brain damage, paralysis, and speech deficits after undergoing a bedside procedure.


Brain Damage

Our client suffered brain damage after their breathing tube was misplaced.


Failure to Diagnose

Our client’s doctor failed to diagnose Fournier’s Gangrene, resulting in necrotizing fasciitis, sterility, abnormal gait, and muscle loss.


Personal Injury Resulting in Death

Our client, an innocent bystander to a bar room brawl, required surgery for a ruptured Achilles tendon. After the surgery, our client developed a pulmonary embolism, resulting in his death.


Gas Poisoning

Our client suffered from carbon monoxide poisoning with cognitive loss after an on-site contractor ran gas engines during business hours.

Why choose Carter Mario?

We want justice and what’s best for you and your case. Here’s our promise:

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    A Team That Puts You First!

    Our clients are our #1 priority and everything we do is focused on getting you the best result! You are the reason we became lawyers. To the insurance company, you are no more than a claim number but to us, it’s personal. We’re here for you 24/7, 365 days a year. We communicate often and call you back the same day or lunch is on us. We believe an informed client is a happy client. You are the reason we fight!

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    Over $1 Billion Recovered!

    For over 30 years, we’ve fought fiercely and tirelessly against Big Insurance and won countless victories for our clients. You were already hurt physically when you came to us, but we make sure you aren’t hurt financially when you leave. Our goal is to give you a better tomorrow.

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    Experience On Your Side!

    No obstacle is too big. Our seasoned attorneys were handpicked and know how to hold the insurance companies accountable. We have experience in and out of the courtroom. Our attention to detail and in-depth investigation helps identify key evidence we use to prepare your case. Our attorneys have the knowledge, the dedication, and the passion it takes to win. They love what they do.

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    We Have a Large War Chest!

    When we go to trial, we are battle ready, but taking a case to trial takes more than confidence, experience, and commitment. It takes cutting edge technology and a War Chest to support the costs of zealous representation. Many firms aren’t willing or don’t have the resources and financial stability to front your costs and maximize your case. We’ll spend whatever it takes to get you every penny you deserve!

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    Making the Law Make Sense!

    At Carter Mario Law Firm, our mission is to make the law make sense. You’ve been injured and it wasn’t your fault. Life is suddenly overwhelming and confusing, and you don’t know where to turn. You need help, but it matters who you get. Let us come to your rescue. We’ll do the work, so you don’t have to. You can focus on you!

You Pay Us Nothing Unless
We Win Your Case

Call (203) 876-2711 or Contact Us For a No-Obligation Case Evaluation. Our attorneys are standing by to evaluate your case, answer any questions, or discuss your next steps. Getting the compensation you deserve starts here!

    Client Testimonials

    Such a great experience

    "I had such a great experience with Carter Mario Law Firm. Everyone was amazing, helpful and comforting during this stressful time."

    - Michelle P.

    It felt really good to have someone

    "My son suffered an injury after being hurt in a car accident, and it felt really good to have someone fighting for the person you love."

    - Alex M.

    Tough and fearless

    "Look no further, you have found the best personal injury law firm in Connecticut. Tough and fearless, and I cannot think of anyone better to represent me."

    - Phillip Y.

    Attention to detail

    "Look no further, you have found the best personal injury law firm in Connecticut. Tough and fearless, and I cannot think of anyone better to represent me."

    - John L.

    Took so much stress off of me

    "When I had my work-related injury, Carter Mario took on the workers’ comp insurance company that tried to belittle me and dealt with them, which took so much stress off of me. Thank you so much."

    - Ruth H.