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Recovering Damages When Injured Driving a Borrowed Car


If you are injured in an automobile accident while driving a borrowed car, you may be entitled to recover your personal injury damages under multiple automobile insurance policies. The personal injury lawyers of Maginnis Howard, PLLC can help you identify those automobile policies and determine the amount of coverage provided by each.

In a typical loaned car case, there is potential to recover under at least three motor vehicle policies: (1) the at-fault driver’s policy; (2) the policy on the borrowed vehicle; and (3) your personal automobile policy. To make a claim against your policy or the policy on the loaned vehicle, you must first recover the limits of liability coverage provided by the at-fault driver’s policy.

After recovering the limits of the at-fault driver’s policy, you may then be entitled to recover pursuant to the underinsured motorist (UIM) coverage provided in your policy and the policy on the borrowed car. The amount of UIM coverage provided by your policy and the policy on the borrowed vehicle will depend upon the particular coverage limits provided in the other policies. For help understanding complicated insurance coverage questions, contact the car accident attorneys of Maginnis Law, PLLC. Our personal injury lawyers are experienced in handling questions involving North Carolina automobile insurance law.

Maginnis Howard, PLLC can assist you through every step of the automobile accident personal injury claim process. Maginnis Howard, PLLC offers free consultations for all personal injury cases in Raleigh, Apex, Cary, Clayton, Morrisville, Wake Forest, Durham, and the rest of the Triangle Area. You pay no attorneys’ fees unless you recover for your injuries.

Maginnis Howard, PLLC accepts car accident personal injury cases from Wake, Durham Alamance, and Orange Counties. You may contact the firm at 919.480.8526 to speak with a personal injury attorney or send us an email at You can submit a new case inquiry by visiting our contact page.