What if Someone Else Gets in an Accident in My Car?

Rutter Mills Law Firm

What if Someone Else Gets in an Accident in My Car?

Car Accident Info

You let someone borrow your car, and they got in an accident. If the other driver was at fault, their insurance company should pay for damages. If the driver of your car was at fault, your car insurance will likely cover damages. There are exceptions, such as the condition of the driver at the time of the crash. Exclusions, such as driving while under the influence, apply.

If someone steals your car and gets into an accident, you are not liable for any injuries. Your car insurance should cover property damage to the vehicle. These various scenarios often become complicated under Virginia law. Our car accident lawyers at Rutter Mills can pursue any damages owed based on the circumstances of the collision.

The Other Driver’s Insurance

Car insurance follows the vehicle, not the driver. The other driver’s car insurance may come into play in such an accident, but only if the owner’s insurance was insufficient to pay all damages.

That is true as long as the driver had the owner’s permission to use the car. If the other driver did not have the owner’s consent to use the vehicle or use it for a particular purpose, under state law, the car is considered uninsured.

For example, you gave your brother permission to take your car to pick up groceries. He decides to visit friends an hour away and gets into an accident. Your insurance will not cover him because you did not let him borrow the car to take a more extended trip. His auto insurance will also not kick in because he did not have permission to use your vehicle in this manner.

car accident lawyer knows there are other exceptions in which your car insurance will not cover damages. For example, if the person to whom the car was lent did not have a valid driver’s license, or if their policy specifically excluded them.

Excluded drivers are family members who were not added to the policy. That is usually because these family members are either high-risk drivers or lack experience. Keep in mind these relatives are excluded and do not permit them to use your car.

Contact us for a free consultation

If someone else borrowed your car and got into an accident, an experienced car accident attorney at Rutter Mills will protect your rights and negotiate with the insurance company. Schedule a free consultation today by calling, texting, or submitting our online contact form.

We serve those in the Chesapeake, Hampton, Newport News, Norfolk, Portsmouth, Suffolk, and Virginia Beach areas. There is never a fee unless you receive compensation.

Contact a Rutter Mills attorney to speak about your case today.

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Dave Put His Trust in Us

Don’t Fall For The Insurance Company’s Games

Dave suffered serious injuries in a car accident. The defendant’s insurance company tried to offer him a low amount so Dave called Rutter Mills. We took over dealing with the insurance and got Dave the money he needed to get back on his feet.

They enabled me to be happy in life again.

Get Back On Track

Protecting Your Future

Glenn’s car accident changed his life, but not permanently thanks to the help of his Rutter Mills attorney. When the insurance companies wouldn’t help him, our team fought back and won.

I knew I needed Rutter Mills.

Fighting For What's Right

Getting Justice

On his way home from work at the shipyard, Dan was involved in an accident. He tried to file a claim on his own, but the insurance company wouldn’t give him the money he needed to put his life back on track. Dan knew he needed to call Rutter Mills.

They actually won my case 3 times!

Larena's Win

After her car accident, Larena asked her father, a local stevedore, for his advice on who to call. He recommended Rutter Mills. Her team of car accident experts at Rutter Mills fought back when the insurance companies tried to deny her the money she needed to recuperate from her injuries. We took her case to trial – and won. When the insurance company filed their appeals, we beat them again – two more times! Larena got the money she needed and the justice she deserved.

We’re going to immediately call Rutter Mills. That’s the people I trust with my baby girl.

Who Do You Trust With Your Family?

After a car accident, Jamaree’s first call was to her mom. She was shaken up and scared. Mom told her “We’re calling Rutter Mills. Her next was to Rutter Mills. Her Rutter Mills car accident team helped her get compensation “above & beyond” what she was expecting.

They lifted allot of stress off my shoulders. I recommend them to anybody because they WILL fight for you.

Who Can You Turn To?

Referrals From Friends and Family

After John was seriously injured in a motorcycle accident, he turned to the person he trusts most for a recommendation. His wife, a paralegal of 30 years, told him to call Rutter Mills on the advice of the lawyer she worked for.

They really care for you as a person. Words cannot describe what Rutter Mills did for me and for my case.

When You Need Someone In Your Corner

Don’t Go It Alone

When the insurance company tried to get Carol to sign paperwork after her car accident, she knew she needed a lawyer. Carol knew she needed Rutter Mills.

When I called Rutter Mills, I knew it was the right fit. They’re so interested in helping you get justice.

Getting The Justice You Deserve

When Mom Needs Strength

Taryn was in a car accident while she was pregnant. She knew she needed someone in her corner to protect her rights and her family’s future.

There’s attorneys, then there’s Rutter Mills.

We're Here When The Unexpected Happens


A devasting accident changed Levon’s life forever. The physical and emotional toll left him scared and in pain. When the insurance company for the defendant contacted the family, they made an offer that did not even cover the cost of the medication, much less doctors’ bills, and physical therapy. They knew they needed to talk to a serious lawyer. Rutter Mills took care of the negotiation so Levon could focus on healing.

When you’ve got a serious injury, you need a serious lawyer. That’s why we chose Rutter Mills.

Motorcycle Accidents Change Everything

When Ed was injured in a motorcycle crash, he knew he needed a serious lawyer to protect his rights. The insurance companies were fighting him every step of the way. Rutter Mills helped prove Ed’s case and get him the money he needed to get on the road to recovery.

With the seriousness of the accident, I knew that we needed a serious lawyer. I needed Rutter Mills.

Carol & Levon's Story

They knew they needed a serious lawyer when Carol and her son were seriously injured. After the other party’s insurance company tried to get her to settle for less than she needed, Carol called Rutter Mills for help. We took on the insurance company so she could focus on healing.

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