Unauthorized driver damaged my car in a crash with a truck, and now the truck driver is suing me. A family member took my car without my permission, and I’m the only one listed on my insurance. After the accident, the truck driver is pursuing a personal injury claim against me. Should I inform my insurance about the unauthorized driver? I’ve read that if I don’t mention this, my insurance may provide me with a lawyer, but I’m uncertain if that’s the right approach. This incident took place in Texas.
Unauthorized driver crashed my car into a truck, truck driver is suing me
I’m not an attorney, but it’s important to communicate openly with your insurance company about the situation. In Texas, if someone drives your car without your permission and gets in an accident, your insurance may have some obligations to cover the damages, but they generally expect you to provide accurate information about the incident.
Tell Your Insurance: You should inform your insurance company that the driver was unauthorized. Failing to disclose this information might lead to complications down the line, including potential denial of coverage or issues with assigning a defense lawyer.
Legal Representation: The insurance company may still assign you a lawyer, but their coverage could be affected if they find that you provided misleading information about the driver.
Consult an Attorney: It’s a good idea to consult with a lawyer who specializes in auto insurance or personal injury cases. They can help explain your rights and responsibilities, as well as help you navigate the lawsuit from the truck driver.
Documentation: Make sure to gather and keep any documentation you have regarding your insurance policy and details about the accident. This can be helpful in case there are disputes later on.
Handling this situation carefully is vital, so seeking professional advice can assist in understanding your position more clearly.