What’s going to happened to me if my boyfriend took my car and got into an accident but I don’t have any insurance on it?

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What’s going to happened to me if my boyfriend took my car and got into an accident but I don’t have any insurance on it?

I was not present during the accident or in the car.

Asked on September 25, 2015 under Accident Law, Ohio

Answers:

S.L,. Member, California Bar / FreeAdvice Contributing Attorney

Answered 6 years ago | Contributor

If your boyfriend was at fault in the accident, you are liable since you are the registered owner of the car.  If the other driver has uninsured motorist coverage, that driver will file a claim through his/her insurance company.  That insurance company will sue you to recover the amount it paid on the claim.
If your boyfriend was at fault and the other driver did not have uninsured motorist coverage, the other driver will sue you for the property damage cost of repairs to the car and if he/she was injured, you would be liable for the medical bills, pain and suffering an amount in addition to the medical bills and wage loss.
If your boyfriend was NOT at fault in the accident, then you would file a property damage claim against the other party's insurance for the cost of repairs to your car.  If your boyfriend was injured in the accident and was not at fault, he would have a personal injury claim to be filed with the at-fault party's insurance carrier which would include compensation for the medical bills, compensation for pain and suffering an amount in addition to the medical bills and compensation for wage loss.
If your boyfriend was NOT at fault in the accident, the fact that you didn't have insurance is irrelevant.
 


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