Q: I was involved in an accident in which I was at fault, while driving someone else's car. How can I take responsibility?
The owner of the car was not present during the accident. I was driving. The owner's rates have gone up because of this and I have now heard that she is at risk of being sued. I want to do the right thing and take the responsibility away from her and on to myself.
A: The insurance of the car you were in automatically covers the case, so nothing you can do there. They will provide her with defense if she is sued. Normally you would be sued. She is only at fault if she knew in advance you weren't a good driver.
So she is not personally liable. She may possibly be named in the case as a precaution but no one is looking for her to personally pay.
Unusual for rates to go up immediately unless this was some time ago. If they go up, find out how much, and offer to pay that amount, so she's no worse off, and for her car rental bills while her car was being fixed.
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