Some people say that you should never lend your car to your friends casually. Why?

Car owners are familiar with their cars and will have some minor problems, but as long as they pay attention, these minor problems will not affect their daily driving. But if you lend your car to a friend, he is not familiar with the small problem of the car, and it is very likely that this small problem will lead to a traffic accident. Even if the traffic accident is not caused by the owner's driving, the responsible owner can't escape.

Even if the car is perfect, the owner should bear the responsibility if the borrower has a problem and causes an accident. Does the borrower have a driver's license? Is the driver's license type correct? Have you been deducted 12 points? Can you drive after drinking? It is impossible to fully understand these problems by lending your car to others. Even if you can ask clearly, there are still many uncontrollable factors, because people's thoughts and behaviors are the biggest uncontrollable factors.

Maybe someone will argue, isn't there auto insurance? Can't the insurance company be responsible? It should be that most people didn't read every sentence carefully when signing the insurance contract, and then ignored the sentence "Without the consent or permission of the insured, the insurance company can refuse to pay for the loss caused by driving".

According to this regulation, if you lend your car to others, in the event of a traffic accident, the actual driver at that time will be responsible. If the owner is at fault, he still has to bear the corresponding liability for compensation, such as knowing that the other party does not have a driver's license, or is under the age of 18, and does not have full capacity for civil liability.

The first one is: the Supreme People's Court Institute's Reply on Who Should Bear the Liability for Damage after the Accident of the Stolen Motor Vehicle stipulates that if the accident is caused by the use of the stolen motor vehicle, the actor shall bear the liability for damage compensation according to law, and the owner of the stolen motor vehicle shall not bear the liability for damage compensation.

Judging from the above contents, the two standards of "operational dominance" and "operational benefit" are basically used to judge the responsibilities of owners and users, that is, who dominates and manages the vehicle and gains benefits from the operation of the vehicle (including the convenience and even enjoyment brought by driving the vehicle), who is the responsible subject of motor vehicle damage compensation.