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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 damages under multiple automobile insurance policies. The personal injury lawyers of Maginnis Howard can identify those automobile policies and determine the amount of coverage each provides.

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
  3. your personal automobile policy.

To claim your policy or the policy on the loaned vehicle, you must first recover the liability coverage limits provided by the at-fault driver’s policy.

After recovering the limits of the at-fault driver’s policy, you may be entitled to recover under 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. To help understand complicated insurance coverage questions, contact Maginnis Howard’s car accident attorneys. Our experienced personal injury lawyers handle questions about North Carolina automobile insurance law.

Maginnis Howard can assist you through every step of the automobile accident personal injury claim process. We offer free consultations and a contingency fee arrangement for personal injury cases. You pay no attorneys’ fees unless you recover for your injuries.

Maginnis Howard accepts car accident personal injury cases across the state of North Carolina. We have experienced personal injury attorneys serving clients from offices in Charlotte, Raleigh, and Fayetteville. Call us at (919) 526-0450 or submit a new case inquiry by visiting our contact page.