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The Car's Owner Could Be Liable for Negligent Entrustment If the car owner was negligent in allowing somebody else to drive their car, and the driver causes a wreck that injures somebody, the car's owner can be personally liable for negligent entrustment.
In California, if you believe another driver was at fault in your accident, you can seek a settlement from that driver's insurance company. However, the insurance company will not simply agree to a settlement. Instead, it will investigate to ensure its policyholder was actually to blame.
You can not drive a vehicle in California without insurance, and you or the person you're borrowing from must have insurance to drive legally. Your regular auto insurance policy in Los Angeles tends to follow the car instead of the person who has paid for the insurance. The same applies to when you borrow a car.
The short answer is no, California is not a no-fault state for auto accidents. This means that the person responsible (i.e, the ?at-fault? party) for the car accident has to pay for the resulting injuries and property damage. For this reason, California is an at-fault state.
Insurance companies determine fault, through direct or indirection action of its insured persons, using the fault rules. Fault is determined without caring about the circumstances, including the weather conditions, the road conditions, visibility, or actions of pedestrians.
3 Common Amounts You Can Sue for a Car Accident in California Severity of AccidentPossible Amount to Sue forLowApproximately: $5,000 ? $25,000ModerateApproximately: $25,000 ? $100,000HighApproximately: $100,000 ? $1,000,000+
When it comes to insurance coverage, policies in California typically follow the vehicle, meaning that your policy would cover damages even if someone else was driving your car. However, there are exceptions to this coverage, which we will discuss in the following subsections.
The Insurance Company Normally, each driver involved in a car accident will report the accident to their insurance provider by uploading pictures and a description of what happened and the damages. Some insurance companies will have an insurance adjuster investigate the accident to determine who might be at fault.