{"id":6427,"date":"2025-03-22T03:55:53","date_gmt":"2025-03-22T03:55:53","guid":{"rendered":"https:\/\/www.murphylawfirm.com\/?p=6427"},"modified":"2026-02-05T04:53:30","modified_gmt":"2026-02-05T04:53:30","slug":"que-pasa-si-alguien-mas-esta-conduciendo-mi-coche-y-se-mete-en-un-accidente-en-louisiana","status":"publish","type":"post","link":"https:\/\/www.murphylawfirm.com\/es\/blog\/what-happens-if-someone-else-is-driving-my-car-and-gets-in-an-accident-in-louisiana\/","title":{"rendered":"\u00bfQu\u00e9 sucede si otra persona conduce mi auto y tiene un accidente en Louisiana?"},"content":{"rendered":"
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Summary<\/div>\n

Many Louisiana drivers allow friends, family members, or others to borrow their vehicles, which can raise questions about insurance coverage if an accident occurs. With more than 147,027\u00a0crashes reported in Louisiana in 2024<\/strong>, including injury and fatal accidents, it is important to understand what happens when someone else is driving your car and is involved in a crash.<\/p>\n

In Louisiana, liability depends on negligence, and car insurance generally follows the vehicle. If the borrower causes the accident, your insurance usually applies, which may impact your premiums and require a deductible. If another driver is at fault, their insurance covers injuries and property damage. Coverage may not apply in cases involving non-permissive drivers, excluded drivers, or unnamed drivers under named-driver policies, making liability and insurance recovery more complex.<\/p>\n<\/div>\n

Many drivers lend their vehicles to friends, neighbors, family members, and other loved ones who need them for emergencies, errands, and other necessities. You may even need someone else to drive you in your own car. This can lead to uncertainties regarding insurance coverage, and many drivers want to know, \u201cWhat happens if someone else is driving my car and gets in an accident in Louisiana?<\/strong>\u201d<\/p>\n

Car accidents are an unfortunately frequent occurrence nationwide and in the state. In 2023, there were 143,202 crashes<\/a> in Louisiana. In 2024, there were 147,027 crashes, including 37,373 suspected injury crashes<\/a>, 699 fatal crashes, and 108,955 crashes that only resulted in property damage. While everyone might hope that anyone who borrows their car does not get into an accident, it is important to know what to do if it happens.<\/p>\n

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