When Someone Causes a Car Accident While Driving Your Car

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Earlier this month, Chivas Blair Smith was arrested while trying to flee from the Dallas County Police. During a routine traffic stop, authorities stopped Smith near Denton Drive. While performing a background check on Smith, he fled the scene in his vehicle, immediately prompting a car chase. As the authorities closed in on him, Smith lost control of the vehicle while making a turn. When the authorities caught Smith, they discovered that the vehicle had been one that had been reported stolen five days prior. He was taken into custody and is being charged with evading arrest, as well as theft and unauthorized use of a vehicle.

What Happens When My Vehicle Is Stolen?

If your vehicle is stolen in Dallas, report it immediately to the police. You can contact the Auto Theft Unit to report the theft. Make sure you have as much information regarding your vehicle as possible; the more information the authorities have, the easier it will be to identify your vehicle and recover it. Your license plate number, vehicle identification number (VIN), year, make, and model, and the registered owner’s name are crucial pieces of information that the Dallas police will use as a primary line of search. Have this information written down somewhere and place it somewhere that you will not lose it (such as your wallet or a safe drawer in the house). Often times, vehicles will be stolen from large lots or garages where supervision is sparse. If you see someone bumping and shaking a car (checking for an alarm), pulling on the door handle, or standing abnormally close to the vehicle and looking around (checking to see if they are being watched), report it to the Dallas authorities as soon as possible.

What if Someone Causes a Car Accident in Dallas in My Car?

Unless expressly excluded in your policy, it is most likely that everyone living in the same household will be covered under your car insurance policy. In fact, in Dallas it is usually required that those under the same household be included in your coverage. In addition, if you let another driver (such as a friend or family member) drive your car, they will generally be covered under permissive use in the case of a car wreck. As the name of the coverage may suggest, the driver must have the express permission of the person covered under the insurance. In other words, because a driver that steals a car has no express permission to use the vehicle, they are not covered under the insurance. For example, if I loan my friend my car on Tuesday, he will be covered by the permissive use clause under my insurance. However, if he then drives my car on Friday without my express permission, he is no longer covered under the coverage, as driving the car past Tuesday goes beyond the scope of the expressed permission he had in terms of driving my vehicle. In this case, the friend may be charged with theft and any car accidents he causes will be his sole responsibility.

Contact Us

If your vehicle has been lost or stolen in Dallas and has been involved in a car crash, we can help. Contact The Franklin Law Firm for a free consultation.

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Someone Causes a Car Accident While Driving Your Car: DMV.org