Usually the driver is the liable party. The driver, after all, is the person who did something careless. Because car insurance typically covers the car, the car owner’s car insurance will still pay for the damages. But the driver will be the named party in a lawsuit, if that becomes necessary. In some situations, the owner can also be liable. For example, if the owner allows a person to drive the car knowing that the person does not have a license or can’t see very well, then that act of permission was careless, and the owner can be held liable as well.

Liability is determined based on the specific facts and evidence of each case. If there is a dispute over liability, it may be necessary to gather evidence, such as witness statements, accident reports, and expert testimony, to establish who was at fault for the accident.

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