What if any of these people is to blame for an accident with our car?

Many times we are faced with the need to leave the car to a friend or relative. Do not forget that since the car is started there is a risk of an accident and therefore it is possible that our friend or family member suffers a mishap

Assuming that the car has insurance on ITV last rule may be facing the following cases:

The driver is over 26 years old, has no license and driving under the influence of alcohol. In this case we will not have any problem, it is the most favorable scenario, the insurer will take care of everything.

The driver is over 26 years old, has license and driving under the influence of alcohol. We have a problem, the insurer will pay the claim but then we claim that amount. This is because all insurance exclude driving under the influence of alcohol.

The driver is over 26 years, has no license and driving under the influence of alcohol. Although it seems less severe than the previous course we face the same situation, the insurer will pay the claim but then we claim, as in insurance also excluded driving without a license.

The driver is aged under 26 years. This is the worst case, no matter who the driver is not under the influence of alcohol or has no license, our insurance does not take care of the sinister and we get payment claim ourselves all amounts.

In short, if you see yourself in the position to leave the car to someone, as long as this person is over 26 years, has license and be responsible when driving, you will not have any problem with your insurance.

Who is at fault in an accident (most common cases)

From time to time our article with tips to not be guilty of an accident you receive feedback from users asking the opinion on who is at fault in an accident. It is very difficult (or impossible) to respond to all of them, and we do not have complete information. Even insurers often own, seeing all the data and the result of the clash esobre the field, are engaged in endless court proceedings since it is not clear who hit whom.

Considering this, every accident is different, there are some general considerations that do indicate who is to blame in case of a traffic accident in which two vehicles are involved:

Reach back

HOW TO PRODUCE: One of the most common accidents. You brake and the vehicle will reach just behind you in the rear.

GUILTY: He who has damage to the front. Although the vehicles going forward brake suddenly and back will adequate to track down and keep a safe distance, the culprit is always the vehicle going behind and reaches the vehicle ahead (not to keep distance security).

Reverse gear

HOW TO PRODUCE This accident has similar damage to the anterior (the back of a vehicle and may be the front of the other or any other part of this second vehicle).

GUILTY: The vehicle reverses.

Rail invasion

HOW TO PRODUCE: A crash that occurs when two vehicles circulating in parallel, each for its lane and hit.

GUILTY: The vehicle leaves its lane and invades the lane in which circulates the other.

Preference right at an intersection

HOW TO PRODUCE: If you remember when you get your driving license, the vehicle appears to the right at an intersection has the preference, unless there is some sign that it affects, in which case the preference will have the opposite.

GUILTY: The vehicle that misses to the left, unless the vehicle put on the right have a yield, a stop sign or a red light (would preferably exiting the vehicle left at the junction).

Preference signals

HOW TO PRODUCE: The signs are to respect them, is a yield, a stop, a red light or otherwise.

GUILTY: The vehicle that does not respect the signal. Always.

Movement within a roundabout

HOW TO PRODUCE: Due to the proliferation of roundabouts and roundabouts, especially on routes of more than one lane, accidents are becoming more common and usually occur circulating in-law two parallel and one invaded the opposite lane.

GUILTY: Vehicle invading the other lane. When it is not clear who has been the vehicle in the inside lane of the two. That is the rule used by experts of accidents, as it presupposes that has invaded the opposite lane to want to leave.

Parked

HOW TO PRODUCE: Especially in the city and in car parks, it is common to hit a parked car in a maneuver when there is little space left for recording

GUILTY: Whenever the vehicle performs the maneuver leading to the accident. Vehicle parked at best may be fined if you are committing an offense.

Turn

HOW TO PRODUCE: Another typical accidents; two vehicles circulate in parallel and one tour.

CULPABLE: The vehicle turns in all cases.