We are often asked by our customers if it is ok to let a friend borrow their car. “Is it covered?” I get asked. Yes it is covered, I respond, however you are responsible for their actions while they are in your car. You may be thinking that if you let someone borrow your car and they go out and commit a crime, you are not going to go to jail, and you are probably right. I am not talking about that kind of responsibility, I am referring to the kind that hits you where it hurts, your wallet.
This past year we had a customer who was selling their car to a family member. Before the sale of the car occurred, our customer allowed the family member to drive the car to the grocery store. While parking the car, the driver accidentally hit the gas instead of the brake, propelling the car into two other cars and striking a pedestrian. The pedestrian was taken to the hospital with a head injury and then air-lifted to another hospital where she underwent emergency surgery.