Legal Question in Insurance Law in California

Lost a loaned car

My son was driving his friends car

and has had an accident in which the

car is totalled(totally lost). His friend

says that he did not have comprehensive

coverage for the car (though it is still on loan).

1) Will my son have to pay for the car

in this case?

2) In case the car has conprehensive coverage,

will the insurance company demand the cars

value from my son?

3)Can my sons friend sue him for any damages?


Asked on 8/20/01, 6:13 pm

1 Answer from Attorneys

Sargis Atanous LAW OFFICE OF SARGIS G. ATANOUS

Re: Lost a loaned car

If your son caused the accident, he will be liable for the damages to property (and injury to others). If the friend had insurance on the car, the co. will pay the property damage and come after your son (called subrogation). If this occurs, the friend cannot sue for property damage, but can still sue for personal injuries, etc. You don't mention whether anyone was hurt in the accident.

If your son had his own insurance (or under yours), it MAY cover the damage, but you will need to read your policy. And they may still seek reimbursement from your son.

If I can be of further help, please contact me at (714) 639-6582. Thank you.

Read more
Answered on 8/28/01, 6:53 pm


Related Questions & Answers

More Insurance Law questions and answers in California