Leasing is an increasingly popular alternative to buying a vehicle, giving drivers access to newer cars with substantially lower costs. However, because the driver doesn’t legally own the vehicle, leasing can lead to confusion if they cause an accident in which someone is injured. Below are a few common questions auto accident lawyers often receive about collisions involving leased vehicles.

FAQ About Crashes Caused by Drivers of Leased Vehicles

Will their insurance pay for my damages?

Banks and auto dealerships usually require lessees to carry at least the minimum liability insurance, as well as collision and comprehensive coverage. If they cause a crash in which you’re injured, their carrier should compensate you for damages, just as if they’d purchased the vehicle.

Can I file a claim against the actual owner?

In many situations, vehicle owners can be held liable for accidents someone else causes if they knew someone else was using their car. However, federal law and many state statutes explicitly release companies from liability if they’re in the business of leasing or renting vehicles, limiting your auto accident lawyer’s ability to file a claim against them.

What if the driver wasn’t properly insured?

If the driver that caused your accident wasn’t properly insured, your auto accident lawyer may file a lawsuit for compensation. You may also be able to file a claim against your own carrier if your auto insurance policy includes underinsured/uninsured motorist coverage.

What damages should my settlement cover?

Your insurance settlement should include all of your medical expenses, including the cost of future treatment, as well as any wages lost as a result of the accident. Your auto accident lawyer may also pursue compensation for the damage to your vehicle and the pain and suffering you’ve endured.

If you’ve been injured in an accident anywhere in South Central Missouri, the legal team at Henry & Williams P.C. are ready to provide the aggressive representation you deserve. Their auto accident lawyers have over 60 years of experience fighting for the rights of accident victims throughout the area and have established an impressive track record of success. Visit their website to learn how they can help and call (417) 256-8133 to speak with an experienced attorney today.