Why it’s not advisable to lend your car to others

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Introduction: After buying a car, many car owners find themselves having to lend it to relatives and friends, and I am no exception. Therefore, I searched for relevant information and compiled this article in the hope of sparking discussion among fellow car owners. Preface: If you prioritize face, more serious or troublesome things will follow. Don’t wait until it happens to regret it. Example 1: All these incidents happened to car enthusiasts; they are all real stories about borrowing cars. (As a lesson to be learned.) This story left a deep impression on me: a member of the Serauto club saved up money to buy a Serauto; his whole family treated it with great care. Yet, before even traveling 1,500 kilometers, a friend asked to borrow it. When he was given a slightly delayed response, that friend immediately became upset and said, \"It’s just a car, isn’t it?\" Is it worth it! I’ll compensate you for damaging it! ”With the chest thumping so loudly, I reluctantly lent it out, agreeing to have it returned the next day. But when the time came, there was no sign of the car; I quickly called to inquire, and my friend remained silent for a while before saying, \"Something happened; the car is in a ditch...\" When the car owner arrived at the scene, he saw that the car was severely damaged and stuck in the ditch, with repair costs amounting to tens of thousands of dollars. The car owner was heartbroken and had no choice but to agree to let his friend buy the car. However, his friend did not have the financial means to compensate for or purchase the car, and could only promise to try to cover the owner’s losses in addition to what the insurance company would pay out. Another incident took place in Baoding, where a DX lent his car to a friend. That friend lost control of the vehicle on the highway, resulting in an accident that killed several people who were in the car. The accident was determined to be the fault of that friend alone. Since this friend came from a poor family and had died, the court ordered the car owner to bear joint liability and compensate the families of those who died in the accident. Due to the huge amount of compensation required, this DX contacted the families of that friend who borrowed the car, asking them to assume some financial responsibility, but they completely ignored him. There is nothing better to illustrate the fickleness of the world than this; the lessons from these two stories are indeed profound. Kind fellow drivers, cars are different from mobile phones, as they involve complex legal and interest-related issues. If the person who borrowed your car causes a serious incident that results in significant damage to people and property, and he has no ability to pay for it, you will have to bear joint liability. So, this is not just a matter of face. Even in the wealthy Western countries where cars are as common as bicycles, no one would casually ask to borrow someone else’s car; Western society’s well-developed legal systems and strong awareness of rights ensure this. When a friend is in an emergency, drive for them; you can cover the costs yourself or reach an agreement through friendly negotiation. But it must under no circumstances be lent out. Sacrifice a little face for peace throughout one’s life. It’s worth it. There are also those who like to borrow cars from others; before asking to borrow a car, think first whether you have enough financial means to cover any potential damages resulting from accidents. If not, it’s better to stay silent – it’s better for both others and yourself. I hope you’ll remember this advice. Case 2: Why can’t you lend your car to someone else? There are more and more people who own cars these days, but there are also many who hold driver’s licenses, those waiting to buy a car, and those who enjoy driving. Especially during holidays, when people go on trips or visit relatives and friends, due to the scarcity of tickets and the difficulty in obtaining return tickets, more and more people try to borrow cars from relatives and friends in order to travel or visit them. But keep in mind: no one wants to lend their car to others. 1. Those who borrow someone else’s car rarely care about the vehicle; they always want to get there quickly and back again, driving on the highway, and they always try to carry more people or goods. 2. The sharp increase in vehicles these days has made road conditions more stressful and crowded, with scratches, collisions, and vehicle breakdowns being common occurrences. 3. More importantly, according to relevant regulations, if the person borrowing the car causes an accident, although there is an insurance company, the compensation provided is often insufficient, and you as the car owner still have to take responsibility. If you run into another untrustworthy person who borrows a car without intending to repay it, offering no money and refusing to give back the car, then you’re in big trouble. (I know someone who, during the May Day holiday in 2004, lent his car to a friend who was going back to his hometown. As a result, that friend hit a woman riding a tricycle, causing her to become paralyzed. At first, his friend seemed generous and offered 63,000 yuan as compensation; but later on he changed his phone number and locked himself at home, making it impossible to find him. Yet my acquaintance, who owned the car, managed to secure 380,000 yuan through mediation. He even sued the person who borrowed the car in court, but to this day that person still cannot be found!) Isn’t this bad luck? ). That’s why there’s a popular saying among car enthusiasts: neither the wife nor the car are to be lent out. Case 3: An accident occurs while the car is lent to someone else; even though the car owner has passed away, the family members cannot be exempted from liability! Zhang drove Mr. Xia’s car and injured someone; since the car owner, Mr. Xia, had passed away, Zhang and Mr. Xia’s family members were taken to court. Recently, the Songjiang Court ruled that Zhang should pay nearly 80,000 yuan in compensation for medical expenses, disability benefits, and mental distress damages, with Mr. Xia’s family bearing corresponding joint liability. At 9 a.m. on September 24, 2004, Zhang drove a passenger car to deliver goods to a certain organization; on the way, he knocked down cyclist Li, causing him to get injured and be admitted to the hospital. According to the traffic police, Zhang and Li share equal responsibility for this accident. Last March, it was determined that Xiao Li suffered a disability of grade 9. Upon investigation, it was found that the owner of the bus was Mr. Xia, yet Mr. Xia passed away several years ago. To this end, Xiao Li took Zhang, as well as Xia’s wife, father, and daughter, to court to seek compensation. The court held that the driver, Zhang, should bear 50% of the liability for the consequences of the accident. However, the owner of the vehicle involved in the accident is Mr. Xia, who should also bear responsibility for overseeing the safe operation of the vehicle; therefore, he shall bear joint liability for the consequences resulting from the traffic accident involving that vehicle. However, since Mr. Xia has passed away, his wife, as his spouse during his lifetime, is liable for settling the joint debts incurred by the couple during their marriage ； As his legal heirs, Mr. Xia’s father and daughter shall assume the liability for repayment within the share of Mr. Xia’s estate that belongs to them. Therefore, the court rendered the aforementioned judgment. If you have thought this through, then how can you refuse when someone asks to borrow your car? 【One】You might as well be the type of person who is controlled by his wife. Those who ask to borrow a car are usually either close friends or people who can be of help to you; logically, one should be willing to help them. However, although what is borrowed is the right to use the car, cars are not like other items – they suffer from wear and tear and come with unforeseen risks, including financial costs, points deductions, and even accidents. So, while what is given away is the car, what remains is heartache; it’s better not to lend it out if possible. Generally speaking, when it comes to borrowing a car, people usually turn to men for help. Men care about their reputation and sense of loyalty; they rarely refuse requests from others. Even if they are reluctant inside, they can only keep those feelings to themselves. But things are very different when there’s a wife who gets in the way. I used to lend my car to others often, saying every time that it would be the last time, but I still couldn’t bring myself to refuse when someone asked to borrow it. My wife is actually very understanding; seeing me worried because of lending the car, she offered to take on the role of the one who sets boundaries, and all I needed to do was cooperate with her. Please think about your happy family at the moment; if any friends ask to borrow the car again, I’ll give it to them, and my wife will be the one to refuse. As for me, I act like a man who is completely controlled by his wife, apologizing and feeling guilty. The friends who ask to borrow the car feel embarrassed too, and over time, everyone realizes that my wife isn’t easy to deal with, so they hardly ever ask me to lend them the car anymore. [II] Acting as the supportive partner: After buying a new car, the biggest challenge is knowing how to say no to those who keep asking to borrow it. Although everyone is aware of the potential safety hazards, financial risks, and liability in connection with lending out a car, my husband, being the generous type that he is, couldn’t bring himself to refuse. So here I came in – I, the little woman – and waved my hand at my husband, saying, “If I’m not going to be the one to act badly, then who will? If anyone else asks to borrow the car, they’ll have to get my permission, so as not to tarnish your reputation among your friends!” With me as a shield, my husband has a valid reason to refuse requests; when friends persistently plead with him, he just shrugs his shoulders and shifts all the responsibility onto them. I’ve prepared a thousand excuses for this, such as taking the kids on a trip, visiting family back home, joining a car club, or undergoing routine maintenance – the reasons vary endlessly, but the goal is the same: absolutely not to lend it out. Over time, everyone gradually came to understand my temperament and realized that I was a person who loved my car dearly, so they stopped giving my husband trouble. And in the face of his friends’ teasing reproaches, his husband would often play the innocent role, saying, \"Who asked me to marry such a domineering and stingy wife?\" With the wife singing and the husband responding, their \"clever ways of refusing loans\" kept those who wanted to borrow cars at bay time and again. A few days ago, while reading the newspaper, I came across a terrifying news story: a car owner lent his vehicle to a close friend. Since that friend couldn’t drive, he gave the car to someone who didn’t have a driver’s license to operate it. As a result, an accident occurred that injured passersby, and the car owner also suffered consequences as a result. Upon reading this, my husband said to me gratefully, \"You ‘villain’ are doing the right thing. Without ‘villains’ to keep watch, how can there be ‘good people’ who need no worries? Otherwise, since the car has been lent out, who can sleep soundly?\\" If a friend really needs it urgently, I would rather give up my car along with myself than lend it to them.