Being involved in a serious car accident can wreck more than just your car: it can wreck your whole life, especially if you sustained injuries that keep you from working and your vehicle is a total loss. In normal circumstances, you would be able to sue the other driver's insurance company to pay for your injuries and other damages. However, what happens if you are hit by someone that is driving his or her friend's car, when that person is not listed as a driver for that insured vehicle? Check out these important facts about the steps you can take for getting the compensation you deserve from being in this type of car accident.

A Word About Liability Insurance Coverage

When you think about liability insurance, you might think about the it being the lowest amount of insurance required by law. You should know that if you are in an accident with someone that is behind the wheel of their friend's car, that person may still have coverage that will pay your medical bills and other forms of compensation. If the person driving his or her friend's car is covered by liability insurance on their own vehicle, that coverage follows that driver, no matter what car they may be driving during an accident. However, if the person that hit you was using their friend's car on a regular basis to get back and forth to work, their liability may not cover the accident. Liability insurance only covers a driver in this type of circumstance when the car that hit you was only being used on a short term, temporary basis. For learning more about the other driver's use of their friends car, you will need the services of a car accident attorney.

The Insurance On The Car That Hit You

Many people assume that the insurance on the car will pay for their damages and medical bills because it was the care that hit them. However, the driver of that car is responsible for hitting you, not the car itself. For this reason, the coverage on that vehicle will not apply to your accident if the car was being driven by the owner's friend and that friend is not listed on that car's insurance policy.

Talking to an attorney about the steps you need to take after a serious accident is important, especially when the driver that hit you was driving another person's car. An attorney will have the experience necessary for talking to insurance companies, a great benefit for you if you are injured and already under tremendous stress. Contact a business, such as Monohan & Blankenship, for more information.   

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