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你真笨，不能到网上去搜搜呀。
美国的：
Q：my roommate wants to borrow my car he has not renewed his license what is my liability and what happens to my insurance if he gets stopped or has an accident。
A：Robert Edward Heyman
Robert Edward Heyman
Personal Injury Lawyer
Saint Petersburg, FL FL licensed
Posted on May 17, 2011
Under no circumstances should you loan your car to your roommate who does not possess a valid driver's license. If he gets stopped, he's going to be cited for No Valid Driver's License and probably for not having proof of insurance. Your car may be towed and you would have to pay towing and storage charges to get it back.
If he gets in a wreck for which he is at fault, the injured parties will come after YOU, not your roommate. While your insurance may provide coverage and pay damages up to your policy limits, your policy may have a "coverage defense" under which the insurer can deny coverage if you knowingly permit an unlicensed driver to operate the vehicle.
In the long term, even if the insurance company pays a claim, expect your coverage to be cancelled.
Enough said???
Robert E. Heyman, Esq
http://www.avvo.com/legal-answers/what-is-my-liability-allowing-an-unlicensed-driver-462681.html
加拿大的：
A friend asked to borrow my car, and I’m wondering about the implications of lending out my vehicle. Is this a bad idea? – Geeta in Brampton, Ont.
It was Polonius (with a little help from Shakespeare) who said “neither a borrower nor a lender be,” but at some point we’ve all done one, the other or both. Whether someone asks to use your vehicle for a camping trip or a quick jaunt to the grocery store, it can be tough to say no – but there are a few things to consider before saying yes.
“When you lend your car or truck to another driver, you’re also lending them the insurance that goes with it, and the good driving record you’ve established with that car. Because of that, it’s well worth taking time to understand and ask some questions before lending out your vehicle,” says Natalie Dupuis, senior product manager, auto, at RBC Insurance.
Make sure you know what kind of driver they are, how long it’s been since they’ve driven, and whether anyone else will be using the car. In addition, you want to ensure that anyone operating your vehicle is legally allowed to drive.
If not, what’s the worse that could happen?
“Let’s say they’re not licensed to drive, then there’s a possibility that the insurance policy attached to the car won’t respond to a claim, and that means the owner of the vehicle may be responsible for damages and injuries sustained in that accident,” says Dupuis.
“The financial risk can be fairly serious. That’s the extreme side of it; the other part is if they have an accident it will likely affect your own insurance premium. So if you’ve kept a good record and kept your premiums down, suddenly someone else’s accident is driving up your premiums.”
If an individual is driving your car on a somewhat regular basis, and especially if they live in the same household, your insurance company should be made aware so they can decide if an additional premium applies. Withholding this information could invalidate your coverage.
For the individual borrowing a vehicle, there’s more to think about than obtaining the keys and filling the tank.
Check to make sure that the vehicle registration is valid, and the insurance attached to it is valid and sufficient. “You should get the liability slip from the owner, and the dates on it should coincide with the time that you’re borrowing it. And ask the question: is this policy active and in good standing?” says Dupuis.http://www.theglobeandmail.com/globe-drive/culture/commuting/to-lend-or-not-to-lend-your-car/article4452856/
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发表于 2015-9-3 22:11:14
