Massachusetts auto insurance question?

Question:
If I let a friend or relative borrow my car and it gets into an accident, whose responsible from there? Me who owns the vehicle or the person borrowing my car?

Answers:

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If that other person has insurance on their own car then their policy is responsible.

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If they are uninsured then your policy is going to take the hit for the repair bills.

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If they are under-insured (for example carrying 10/20 insurance and causing an accident with $30000 in liability), then your policy will have to cover the rest of the costs.

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Even worse - if the accident causes disability and there is a lawsuit for a million dollars then all the rest of that million will come out of both your hides. If they were drunk while driving and you should have realized it when you loaned them the car you are in for criminal liability too.

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