Trusting a family member with your car can feel like a safe decision until the unexpected happens. A brother crashes the vehicle, promises to take care of the repairs, and then uses the insurance payout to buy himself a new car. The situation quickly shifts from frustrating to complicated, both financially and legally. Many people assume that insurance claims follow a simple path, but if someone else takes control of the money, especially without being the policyholder or owner, things become less clear. When trust is broken in this way, questions of ownership and legal responsibility come into sharp focus.
