Lessons of responsibility - what happens if someone Else locked your car?

When you are the person driving your own car, is to know who is responsible if there is a car accident is fairly simple. Is that blame him, because of another driver and the police and their insurance companies will work it out if the answer is not completely clear. If someone is driving, however, and the accident was his responsibility, are you responsible for because he is owner of the vehicle, or is the responsibility of the driver to pay for damages?
If you your car to a friend, and borrowing causes an accident, however, water is a little muddier. In general, your coverage will be first, will have to pay the deductible. This is because the standard auto policies are written to cover "…puede, any relative and any other using your car if the use is (or reasonably believe that) with your permission."

If incurred damage exceeds the limits of the directive, his friend insurance will kick in and pay the difference in most cases.

But what if the person who drives your vehicle does not have insurance? And what if it's your car, crashed while he is driving a thief? Here are three situations that involve liability when someone breaks your car:

Crashed while the Stolen: If your car is stolen, and the person that stole causes an accident, it is unlikely that you will be responsible for any damage to other persons or property, but even if the thief is assured, will probably have to pay for damages to his own car through collision coverage. Thief of average, however, is not likely that insurance, and even if they do, your insurance from does not pay for an accident during a criminal act.

Crashed by friend without insurance: first, you shouldn't be lending your car to anyone who has no insurance. Choosing your car, however, the unit and there is an accident, your coverage protects you only to the limits of the directive. If there is damage beyond that, the injured parties can sue for damage property or medical expenses.

Crashed by friend without permission: If your friend drive your car without your permission, it will not be liable for any damages if they are insured and insurance is very likely that you will use to pay for damages to his own car (Collision coverage) or others (liability). Please note, however, that insurance companies are extremely sceptical of such cases, and you will have to demonstrate that you either didn't know his friend had his car, or they had refused to pay his car for them. Otherwise, we will assume that it provided his car to his friend, and your insurance will be first. Always you can not prevent your car from theft, anti-theft devices help and often come with insurance discount, but you can keep a friendship since he ruined by a car accident. Not lend your car to anyone, unless it is an emergency extreme and insist to see proof of insurance before doing so. Do you know that buying online auto insurance can save you money and time? Find out how.