- Civil Liability: You, as the car owner, could be held liable for any damages caused by your friend while driving your car without a valid license or insurance. This includes both property damage and injuries sustained by others.
- Tickers and fines: Your friend may face various traffic citations and fines for driving without a valid license and operating an uninsured vehicle.
These penalties can vary depending on your location and the severity of the offense but could include:
- Fines
- Demerit points on their driving record
- Vehicle impoundment
- Potential arrest
- Impounded Vehicle: Law enforcement may impound your vehicle if your friend is driving it without a valid license and insurance. This can result in additional towing costs and storage fees.
- Insurance Coverage: Your auto insurance policy may not provide coverage for any accidents or damages that occur while your friend is driving your car without a license and insurance. This means that you could be responsible for the full financial burden of any damages caused.
- Increased Insurance Costs: Even if your insurance covers the damages in such cases, your claim could lead to an increase in your insurance premiums in the future.
- Personal Injuries: If your friend causes injuries to themselves or others while driving your car without valid credentials and insurance, you could potentially be held liable for the resulting medical expenses, lost wages, and other damages.
To protect yourself and your vehicle in such situations, it's important to only allow licensed and insured drivers to operate your car. Additionally, you should ensure your auto insurance policy has adequate coverage and clearly communicate the terms and conditions of using your car to anyone you lend it to.
