如今买车基本上已经成了大多数家庭的首要计划目标,毕竟有了车后,确实可以给咱们的家用出行带来很大的便利。不过在买车之后,很多人都会遇到被借车的情况,这就无疑很尴尬了,因为不借的话总觉得面子上过不去,让别人下不来台,但是借了又担心对方不爱惜,更担心对方开车出事故。
根据《中华人民共和国侵权责任法》第四十九条规定租赁、借用机动车造成损害时的赔偿责任如下:因租赁、借用等情形机动车所有人与使用人不是同一人时,发生交通事故后属于该机动车一方责任的,由保险公司在机动车强制保险责任限额范围内予以赔偿。不足部分,由机动车使用人承担赔偿责任;机动车所有人对损害的发生有过错的,承担相应的赔偿责任。所以怕车子借出去后出事故怎么办?交警:做好这几点,出了事也跟你没关系。
首先就是一定要保证自己的车辆是没有任何安全隐患的,尤其是刹车方面,一定要确保刹车等安全配置没有任何问题,这样一来就算是出了事故,也并不是因为车子存在安全隐患而引发的事故,所以车祸通常就会与驾驶员挂钩而不是与车主挂钩了。
最重要的一点,就是确保借车人一定是要拥有驾驶证,并且驾驶证不能有任何异常,比如被暂扣之类的情况,同时确保他在借车时具备驾车能力,也就是说借车时你要弄清楚他有没有喝酒等情况,否则在明知对方不具备驾驶条件的情况下仍然借车出去,要是出了事,车主也得承担很大的责任。
确认了以上问题后,基本上车子借出去就不会与车主有啥问题了,但如果大家仍然不放心的话,还可以与借车人签署一份借车协议或者免责申明,这样是最好的,借车确实不同于借钱,毕竟车子和车主是相互绑定的,一旦出了事,车主基本都会受到牵连,大家在借车给他人之前,切记要处理好这些细节!还有一个车主们比较关心的问题,那就是车借出去出了事故,保险赔不赔?正常情况下,车辆出了事故,无论是车主本人还是借车人驾驶,保险都会赔偿!但是也有特殊情况保险可以拒绝赔偿;第一:未经车主同意二次转借。第二:借车者无证驾驶,酒驾,证照不符。第三:保险合同“指定驾驶员”,出现这三种情况保险公司是不会赔偿的。
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