Some of the most serious injuries are caused by negligent entrustment of dangerous devices or vehicles. Consider the following situation which is very similar to the case a recently handled: A, B, and C are sitting at A's home and having drinks. After a few drinks, A gives B keys to his A's ATV, and B decides to take a ride. B runs the vehicle into the tree. B's body is thrown of the vehicle and against the tree. B suffers debilitating injury and ends up being partially paralyzed.
Although one could argue that ethically B is just as at fault of riding ATV drunk as A for letting him borrow the vehicle, A will likely be liable for B's injuries and damages under the negligent entrustment negligence theory, because A knew or should have known that B was under the influence and was unable to safely operate the vehicle.
In that case, the ATV was not insured (as off-road vehicles do not have to be insured in California). If A is a homeowner, his homeowner's insurance policy will likely cover the injuries caused through the use of vehicle kept on the insured property.
Some of the most serious injuries are caused in cases or people lend (or negligently entrust) their vehicles to others who are not in a position to safely operate that vehicle for one reason or another.
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