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I believe it could be both persons fault. If you're driving and someone decides to jump in front of your car it's not you fault. If you're driving and aren't being careful or just can't stop in time, than it's your fault.

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Q: If someone is driving your car and they hit a pedestrian who is at fault?
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Can you be liable if someone was driving your car and he hit a pedestrian walking out of a crosswalk?

It was your car so your insurance will have to pay. Never loan a car out to someone who is not on your insurance policy.


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