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What Should You Do if Hit While Driving Someone Else’s Car?

What should you do if you borrow someone else’s car and get into an accident? Whose insurance is responsible for damages or injuries?

Knowing the steps to take if you’re ever in this situation is essential. That’s why we’ve put together a list of what you need to do if borrowing someone else’s car turns into an accident.

You don’t want to be caught off guard in this type of situation, so make sure you read our guide on what to do if you get hit while driving someone else’s car. It could save you a lot of time and hassle down the road.

If you’re in an accident while driving someone else’s car, there are a few key things you’ll need to do to protect yourself and the vehicle owner. Here’s what to expect and what to do:

What to Do if You Wreck While Driving Someone Else’s Car

If you’ve ever been in an accident, the protocol is the same. However, driving someone else’s car does add an extra layer of complexity to the situation.

Stay Calm

You first need to pull over to a safe spot, turn off the car, and check to see if everyone is okay. Then take time to assess the damage to the vehicle.

Call the Police

Florida requires you to call the police if there are injuries or property damage. They will create a car accident report, and you will need to get a copy. Cooperate with the police investigation but don’t admit fault.

Exchange Information With the Other Driver

You should also exchange insurance information with the other driver. In most cases, the car owner will have insurance that will cover you in the event of an accident.

Take Photos of the Crash Scene and Any Damages

If you have a camera phone, take pictures of the damages to both cars and any skid marks or debris from the accident. These photos can be helpful when filing an insurance claim.

Notify the Car Owner

Now is the time to call the car’s owner and tell them what happened. They will likely need to file an insurance claim, so having all the information on hand will be helpful.

Notify Your Own Insurance Company

If you have your own insurance, you will need to notify them of the accident. They may or may not cover you, depending on your policy.

Contact an Attorney

If you were injured in the accident or think you may be at fault, it’s a good idea to get in touch with an experienced car accident lawyer. They’ll help you navigate the legal process and ensure that you get compensation.

Florida Insurance Laws

Florida has statutes that make it a no-fault insurance state. That means each driver’s insurance pays for their own damages and injuries, regardless of who is at fault for the accident. So even if the accident was your fault, the other driver’s insurance should cover their damages.

PIP Coverage

All drivers in Florida are required to have a personal injury protection (PIP) policy. This type of insurance will cover your medical bills and some of your lost wages, no matter who is at fault for the accident.

What That Means For You

So if you are in a collision while borrowing your grandma’s car, her insurance should cover you. Your PIP policy will kick in if she doesn’t have insurance. However, you may be on the hook for any damages and injuries if you don’t have a PIP policy.

Here’s Where It Gets Complicated

So as far as insurance is concerned, driving someone else’s car is pretty simple.

But what if the accident was your fault, and somebody got hurt?

Even though Florida is a no-fault insurance state, you can still get sued for damages if the other driver thinks you were at fault for the accident. And if they have injuries that exceed their PIP coverage, they may come after you for compensation.

The other party may file a personal injury suit against you for the following reasons:

  • Fatality
  • Loss of limbs
  • Permanent scarring or disfigurement
  • Permanent disability
  • Significant or permanent injuries

That means that even if you weren’t driving your own car, you could still be on the hook for a lot of money if somebody gets hurt in an accident that was your fault.

So what can you do to protect yourself?

The best way to protect yourself is to have good car insurance. That way, if you do get sued, your insurance company will help you out. But once you find yourself in this situation, you’ll need a good car insurance lawyer.

How a Lawyer Will Help With a Car Accident Case

A lawyer can help you determine if you’re actually at fault for the accident. They can also deal with insurance companies to get the best settlement possible. If you do end up getting sued, a lawyer will be able to help you defend yourself in court.

Personal Injury

Suppose the accident was your fault and somebody gets hurt. In that case, a lawyer can help you navigate the personal injury claims process. And if you get sued for damages, a lawyer can help you defend yourself in court.

Insurance Negotiation

Sometimes there’s a bit of back and forth between insurance companies. If the accident wasn’t your fault, but the other driver’s insurance company is giving you a hard time, call a lawyer. They can help you negotiate with them.

Car Accident Lawyers in Florida

So if you’re driving someone else’s car, having good PIP insurance is a good idea. And if you’re in an accident, don’t hesitate to contact a lawyer. They can help you figure out what to do next and protect your rights.

Your car accident case is in good hands with RHINO Lawyers! We can help you navigate the legal process and get the compensation you deserve. If you’ve been in an accident while driving someone else’s car, contact RHINO Lawyers for help.


In short, after a car accident, you may not know your rights. Above all, don’t struggle through the process alone. Actually, our personal injury team is here to help you with any legal needs you might have regarding your accident.

Lastly, let RHINO Lawyers answer your questions and review the facts of your case with a Free Consultation. So, get started by completing the “Free Instant Case Evaluation” or by calling us any time, day or night, at 844.RHINO.77.