In most car accidents, there is little
confusion as to whose fault it is. Although
it is usually easy to determine who’s at
fault, it can be far trickier to determine
who is liable for the damages.
Be sure to get clarity on your car insurance
company’s rules regarding liability if a
friend or someone else uses your car with
your prior consent. Generally speaking, your
own car insurance policy will largely
cover the damages caused by your friend if
they are involved in an accident while
driving your car.
Most South African car insurance
companies make insurance cover provisions
for designated drivers; yet if the accident
is more serious and involves grievous
physical harm, for example, your friend’s
car insurance will probably cover the
medical costs of the person(s) involved, up
to the limits of their policy’s cover.
Should you get sued, a personal
liability insurance policy will cover
the cost of your legal fees up to the limit
of your insurance policy. From there
onwards, you will be responsible to cover
these fees on your own.
Never lend your car to someone who does
not have their own car insurance! If you do
and they are involved in an accident
involving bodily harm to another person, you
may have to foot the legal bills in your
personal capacity.
If you can prove that you did not loan
the vehicle to the person that crashed it,
or that this driver used your car without
your explicit consent, you will may probably
not be required to use your car insurance
policy for cover.
Should your car get stolen and then be
involved in an accident, you will probably
have to pay an excess and any shortfalls
required to pay for repairs.
Contact the following South African car
insurance companies to enquire about their
regulations on personal liability, or to get
an online car insurance quote:
Get a Dial
Direct Insurance online car insurance
quote.
Contact Auto &
General Insurance for car insurance
quotes online.
Request a
Budget Insurance Brokers online car
insurance quote.
Find out more about
First for
Women Insurance’s car insurance
policies.
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