What do I say to my insurance company for not being liable in a car accident that was caused by a friend borrowing my car without my permission?

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What do I say to my insurance company for not being liable in a car accident that was caused by a friend borrowing my car without my permission?

Asked on November 25, 2014 under Accident Law, Florida

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

You tell them that the "friend" took the car without permission--but you have to back it up; i.e. you'd have to report the taking to the police as a theft, since taking a car without permission *is* theft. If you do not do this, the insurer may conclude that the friend did in fact have permission, since normally people report the theft of their car to the police.


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