Why do some people say that even the best brothers don't borrow cars? You can't erase your face. Have you thought about these consequences?

Although it is not uncommon for people in China to buy cars now, there are still more families who don't buy cars, so it is common to borrow cars from each other. Regarding whether to lend the car to others, if it is easy from the perspective of risk alone, the conclusion is that neither the wife nor the car will be lent out. But this simple and rude view is irresponsible and unrealistic, because after all, people are social animals, especially China people pay more attention to human feelings, so this problem becomes more complicated. As a person who has been engaged in the automobile industry for more than ten years, I will give you some practical suggestions, that is, we can evaluate the risks and benefits of borrowing a car. If the risk is greater than the income, we will not borrow it. On the other hand, if you have the ability to take risks for the benefit, then it doesn't hurt to borrow.

The risk of borrowing a car

According to the relevant laws and regulations of our country, if you lend your car to others and you need to bear the responsibility in the event of a traffic accident, the insurance company that insured your car must first make compensation. If the amount of compensation exceeds the limit, the user should be responsible for the excess, that is, whoever drives will be responsible. Of course, if the owner is at fault for the damage, he also needs to bear the corresponding responsibility.

Looking at the legal provisions alone, many people will think that there is no risk in lending their cars to others, but from the practical point of view, it is not as simple as expected. Here are some examples:

First, friends are not reasonable people, and they will wrangle with you if something goes wrong. For example, your friend hit someone with your car in the middle of the night, and then ran away, but he turned around and refused to admit it. You can't prove that your car was lent to him, let alone that he drove it, so all the responsibilities can only be borne by you. Therefore, it is strongly recommended to write a car borrowing agreement when borrowing a car, and write down the information of both parties, the time period of borrowing a car and the risk responsibilities that both parties have to bear in black and white to prevent future troubles. To tell the truth, if a friend is a reasonable person, he will not resist this agreement. If the other party doesn't want to sign, you should carefully weigh the risks.

Second, although friends are reasonable, they can't afford to pay. Everyone's financial situation is different. Even if your friend's character is fine, but the actual economic situation is limited, you can't afford all the compensation. What should you do? The injured party in the accident will not distinguish the relationship between the vehicle user and the owner. For them, getting compensation is the only appeal. There are countless cases of being implicated in borrowing a car.

Third, the insurance company is not a safe. There are always people who think that they can do whatever they want by buying high auto insurance, but this is really not the case. In the final analysis, insurance companies are profit-making organizations, not the patron saint of car owners. How many people will carefully read the numerous exemption clauses when buying insurance? If you have been there, you will see two big words "No compensation". When the car is not in your own hands, the insurance company will try its best to find a reason for exemption when there is an accident, and you will be in trouble.

Fourth, as a car owner, it is difficult for you to be 100% clear about your responsibilities. Many things are easy to say. If you don't elaborate, once they are true, they will be very troublesome. For example, the brakes of a car failed and you hit someone. Although you didn't drive the car, did you maintain your car according to the standard on time? Has the brake fluid of the brake pad been replaced in time? Are all the accessories and materials you bought online fake? Did you change it at a qualified store? Do you have a formal bill? So I'm not afraid to ask anything, and when I ask, I'm full of loopholes.

Think about it, is it worth borrowing a car in the face of risks?

After combing the risks, it is necessary to evaluate the relationship between the significance and risks brought by borrowing a car. For example, a person's parents, children and other close relatives borrow a car. In most cases, we think that this is our family, and the family value is higher. The risk of borrowing a car is very small, so even if something goes wrong, they will not care about compensation. Therefore, in this case, borrowing a car is completely possible, at least for my family. If their own leaders and elders come to borrow the car, it will be of great help to their lives, and we also hope to maintain our relationship with them, with no problem in personality and economic strength, so the risk is relatively small, so we can also consider it. If someone you don't know comes to borrow the car, and you just have a nodding acquaintance with him, but you don't know his personality and family, then the risk is even greater. My suggestion is not to borrow it.

These are just a few simple examples. The purpose is to tell everyone that talking about risks without benefits and talking about risks without benefits is nonsense. We must strike a good balance between the two when making a decision.

In a word, when someone asks you to borrow a car, it is unrealistic to say whether to borrow it or not. Don't be caught up with the rhythm by many keyboard men on the Internet. People who may say that they don't borrow cars all day will borrow them more readily than anyone else in real life. So as long as we evaluate the risks and benefits ourselves, if it is really not worth borrowing, there is no need to be afraid of offending people. Just because the risk is too high to refuse, the other party will thank you for your honesty. This thing of risk is really not to say that it can be avoided by hard support.

This article comes from car home, the author of the car manufacturer, and does not represent car home's position.