family member intoxicated after borrowing vehicle
by Melissa
A family member asked to borrow our vehicle. He was sober when he picked up the vehicle, however, without us knowing, he then went home, had a few drinks and then took our vehicle out again. If he had been stopped he probably would have been over the legal limit. What would the legal implications if he had been stopped by the police or had hit another vehicle or person? Would WE (me and my husband) be responsible or would he? and what would our insurance cover? Family Member Borrowing Car While IntoxicatedThis site does not offer advice, just general opinions, and certainly not legal advice. But I will say that insurance excludes much coverage when the driver is intoxicated (e.g. if car is damaged or destroyed, there is no coverage). And when you lend your car out that you can be responsible for the driver (e.g. it affects your insurance history). Please be sure to discuss this further with a licensed insurance representative. Oh, and by the way, are your rates too high? Check here: Other Pages of Interest car insurance in Ontario Canada Car Insurance Canada Car Insurance Quote Canada Auto Insurance Questions Or Ask another question at Ontario Auto Insurance Questions and Answers Note: Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility. Make sure you review the "please read" page. |