Subject: Need Advice: Unauthorized Driver Crashed My Car, Now I’m Being Sued
I recently found out that a family member drove my car without my permission and ended up crashing it into a truck. As the sole policyholder on my insurance, I’m now facing a lawsuit from the truck driver for personal injury. Should I inform my insurance that the driver was unauthorized? I’ve come across mixed advice—some people suggest that failing to disclose the unauthorized driver could lead to my insurance assigning me a lawyer. I’m a bit confused about the best course of action. This incident took place in Texas. Any insights would be appreciated!
It’s important to be honest with your insurance company about the circumstances of the accident, including the fact that the driver was unauthorized. In Texas, if you’re involved in an accident and someone else is driving your vehicle without your permission, your insurance may still provide some level of coverage, but it could depend on the specific terms of your policy.
Here are a few steps you should consider:
Report Honestly: Inform your insurance company that the driver was unauthorized. Failing to disclose this could lead to complications in your claim, and your insurer may deny coverage or refuse to provide a defense if they believe you misrepresented the situation.
Understand Your Policy: Review your insurance policy to see how it addresses situations involving unauthorized drivers. Some policies may cover incidents even if the driver was not listed, while others may have exclusions.
Seek Legal Advice: Given that you’re facing a lawsuit, it may be beneficial to consult with an attorney who specializes in auto accident cases. They can provide guidance specific to your situation and help you navigate any legal challenges.
Communicate with Your Insurer: Keep the lines of communication open with your insurance provider. They can advise you on next steps and what to expect regarding coverage and the lawsuit.
Consider Liability: Understand that even though the driver was unauthorized, you may still be held liable for damages or injuries resulting from the accident. Your attorney can help clarify your potential liability and options.
Addressing the situation transparently with your insurance company and seeking legal counsel will provide you with the best approach to handle the lawsuit.