His wife a realtor. anyway, i think u sh'd tell straight lah, just like people borrowing money rite? What happens here, is you telling them that your car has a shared ownership policy and can only be driven by someone who is a co-owner? Your newly licensed teenager may phrase it as 'borrowing' the car, but if they're using it to go to sports practice or the mall every weekend (and live in your household), you should add them to your insurance policy as a regular user. It is almost impossible for them to push it after such a reason from you. Feel free to call us at 1-800-947-AUTO (2886) to confirm your coverage with a licensed agent. But do you know where you can find the level of insurance coverage you really need? Treat this as a regular line item on your budget. You must let them understand your vehicle is an essential part of your daily routine and cannot be borrowed. Link opens in new windowTX Consumer Complaint Disclosure Practice Saying No. This information may be different than what you see when you visit a financial institution, service provider or specific products site. The Guarantee may only be used by submitting an application directly to loanDepot. If you say no too quickly, your friend or family member might feel ignored, hurt, discounted or insulted. By telling them that your car doesnt have any gas, you will effectively tell them that your car cant be borrowed. When you borrow your car away, you cannot be able to make an income using this service. As long as she still has a valid drivers license and you have adequate coverage on the vehicle, she should be good. Better $10 than damage my car. Without a tracker, your car can be easily stolen. We show a summary, not the full legal terms and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. Whether it's a family member, friend or even an acquaintance asking to borrow money, it's common to be a bit wary since it can have serious financial and personal ramifications for both you and the borrower. 5 Tips for Borrowing Money From Friends and Family. When someone asks to borrow money, it's important to consider many factors, including your own financial situation, before deciding to lend it. Because fewer modules are under the car, there are roomy footwells in the rear. Keep it simple! "When you . Your auto insurance company should guide you etc. Tell them your car insurance doesn't allow it 8. Give him $10. 1. and the medical/property damage for the the party that your daughter hit exceeds that. Don't Be Pressured Into Saying Yes. If you let your friend Tom borrow your car to run errands, and he causes an accident, your auto insurance will be primarily liable while Tom's insurance might be tapped to cover anything over and above your policy limits. NerdWallet strives to keep its information accurate and up to date. Can I still drive it in my home state. You dont want to seem like a jerk, but at the same time, you dont want to be left stranded without a ride. You should consult your own attorney or seek specific advice from a legal professional regarding any legal issues. All information, including rates and fees, are accurate as of the date of publication and are updated as provided by our partners. Anything special I need to do with our insurance? Remaining firm and politely expressing your excuse is important. . Is there another way for them to get where they need to go? The information listed is still a good read. One of the most common ways is writing up a loan agreement that outlines the amount of money being loaned, how you want to be paid back and timelines for repayment, among other things. Accordingly, any referral to mellohome may provide loanDepot, its parent company and/or its affiliates with a financial or other benefit. If someone borrows your vehicle for business purposes, such as to drive for a ride-hailing service like Uber, your insurance policy may not cover that. OK? When you tell them you have no tracker and hence cannot let your car out of your sight. But what are the implications for your insurance coverage? Learn more about your car's VIN (Vehicle Identification Number). Make sure that the person borrowing your car has a valid driver's licence. "If all the people in the car get injured, and the costs exceed the . A friend of mine would like to borrow my car for a few days, does she need to have her own car insurance policy ? Thats because most drivers make a big assumption about loaning out their car. In that case, you may be liable to pay for any damages that are caused above and beyond what your insurance policy will pay out. 18 Jan 07. However, you should be very honest with yourself about whether this person will be able to safely drive your vehicle and bring it back to you in one piece. If friends dont have their own insurance, they could buy. You might need to call them if they are late returning it. just say you are not under my insureance coverage, Birdman dun bother lendingask him for 5K deposit first, Say: "Can. Manage Settings They will get the message and let the question slide. Before you decide to let someone use your wheels, consider what it could do to your finances. If you feel the need is genuine and reasonable and that money is the only option, then make the sum a gift instead of a loan. If friends dont have their own insurance, they could buy non-owner auto insurance. On paper, the fact that your friend will be covered under your insurance sounds good. This means that you or your co-owner are the only persons allowed to drive the vehicle. Almost all gas-powered cars cannot operate without them. The Insurance When you lend a friend your car, you also give them the insurance that goes with it. Inform them you have seen how they drive and it doesnt give you the. Experian. What if your Social Security number is stolen? Enjoy auto insurance savings, service, and security. Let those who want to borrow your car that such unpleasantness is why you cannot borrow your car. According to Jury Verdict Research, the median jury award for vehicular liability was $34,877 in 2013, the most recent year for which data was available. Continue with Recommended Cookies. So while you can grant permission for someone else to use your vehicle, it is your own insurance policy that will be used to cover damage sustained in an accident. 1. Lets say your friend borrows your car and causes an accident. Our partners compensate us. Following these steps can help you feel more confident and professional when you want to say "no": 1. Check out some reasons why you should never lend your car to someone. Do you have enough insurance coverage? On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. You might also ask for a personal reference or even require them to have a guarantor. You don't want to stir up any mistrust or run into potential legal implications. If you dont have collision coverage, youll have to find the money to pay for repairs. The potential lack of repayment would significantly compromise your relationship with the person. by telling this individual this, they will understand your fears and would calmly stop asking. If damages exceed your policy limits, your friend's insurance would act as secondary coverage. Often, you find they rarely cover incidents where another individual was operating your vehicle. Insurers in eight states are allowed to reduce coverage limits for anyone even occasional borrowers not specifically listed on your policy: California, Colorado, Michigan, Missouri, Ohio, Oklahoma, Pennsylvania and Washington. But if that person is uninsured, you and your insurance will likely be responsible. Pay rent online? When you lend someone your car, you lend them your insurance, says Lynne McChristian, a spokeswoman for the Insurance Information Institute. The nice way to ask friends before loaning the car is to say directly, "It would be great if you can return it with the gas tank at the same level, and clean." Let them know your expectations up front. You might be more comfortable giving them a smaller amount than they initially requested. The best way to say no when someone wants to borrow your car is to tell them with valid reasons why this cannot happen. I have decided to politely say him NO the next time he asks for my car. You feel as though their reasoning for asking for a loan is dubious, unethical or illegal. Or someone who works part-time for Uber or Lyft may want your car to help them complete ridesharing jobs. The contract should, at a baseline, include how much money was loaned, the timeline for repayment, how the loan should be repaid, clarification around any interest or collateral and penalties for late payment or non-payment. Keep repeating that. Do you trust this person? For Guarantees issued on or after January 1, 2019, the Guarantee may not be redeemed within 12 calendar months of the Date Issued. Free quotes, secure form, no spam. Don't get into explanations or excuses, as the other person will only find ways to counter them. If you borrow someone's car, you would typically be covered under their car insurance policy up to the policy limits they chose. If you're the one borrowing the car, ask: Do I have permission to borrow the car? And will add a made-up story how my Dad is not comfortable with me lending the car to anyone as one of his close friend got involved in unnecessary legal issues when he lent his car to someone. In Michigan, if a direct family member is behind the wheel of your car, the law presumes they had your consent to drive the vehicle and you will be on the hook unless you can prove that they did . Some of our partners may process your data as a part of their legitimate business interest without asking for consent. Purchasing non-owners car insurance is one way to secure insurance for any borrowed vehicle. These methods are recommended and very trusted in delivering your intentions. It is common knowledge that every car owner knows how to operate their vehicle especially when it isnt a hundred percent working. OFFER OTHER AID. "You could say that you would. Other product and company names mentioned herein are the property of their respective owners. Bundle your auto & property. Your insurer must pay the claim because your policy isn't for you as a . Often, you find they rarely cover incidents where another individual was operating your vehicle. You can have your vehicle impounded when someone drives them with an expired license or no license at all. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Ummm Just say sorry but No you can't borrow my house or my car you can offer them a ride and maybe depending who and how close you are to them offer them to say for a week or so at your house but you can't let someone borrow your car and house especially since the car is registered in your name so you'll get any tickets on the car and if they did But sometimes, friends and family members expect to borrow your car on a regular basis. NerdWallets comparison tool can help you find the cheapest car insurance quotes. You pay for auto insurance, therefore call for questions like this!! I find it best to use this way to reject any offer of car borrowing. I know the importance of gas in a vehicle. A common myth is that if a friend borrowing your car has insurance, their policy covers any damage done to your car. If you let a friend borrow your vehicle, and they wreck it, your auto insurance will pay for the damages. Specifically, these drivers assume that when they loan their car to someone, that person's insurance will pay for damages in the event of an accident. The Best Way to Thank Someone for Letting you Borrow Their Car: Doing all of the three steps below, is the best way to thank the person you borrowed a car from. Anyone who hears this excuse from you will immediately look for other alternatives. Generally, in most states and with most insurers, your auto insurance will cover your vehicle (one described on your policy) if someone else is driving it as long as the following conditions are met: Allowing someone who is not specifically named on your auto policy to drive your car is called "permissive use." He is without a car right now. " Giving a partner money can totally work out, but you need to view it as a gift, not a loan. If the loanee has a license but no car or insurance, make sure he understands in advance that he's on the hook for any deductible if things go wrong. In the short-term, your insurance will help take care of things. Compare personal loan offers matched to your credit profile. If not, its probably not worth the risk of letting them drive your car. Again, your loan agreement should outline how much you'll be repaying each month and when. Be polite and speak using nice language, but be assertive. If you feel pressured to say yes, offer to think about your decision for 24 hours. The exact details depend on your state and the terms of both your policies. Others require that family members and relatives be included on the policy to receive coverage. There are no assurances that such a person could abide by all the traffic stops or avoid being stopped by the police. Doing so only opens the door to a discussion and prompts your friend or family member to try to overcome your objections. Also, ask that she keep her outting brief in case you have an emergency arise. This excuse works every time. The Touring ($107,400) comes with a 620-hp dual-motor all-wheel drive (AWD) and gets a bit more range at 425 miles. Slam no doors. People who often borrow your car might not be covered because a regular driver of your car should be listed on your policy. But even if you feel pretty optimistic about the request, taking a logical approach can still be helpful. You can even consider setting up automatic monthly bank . Applying for a loanDepot loan indirectly through a third party (e.g., LendingTree) makes the borrower ineligible for this Guarantee. Licenses and Disclosures. The car belongs to you, and you use it for your purposes. Or, if the person borrowed money from you in the past and didn't return it, Claytor said it's fine to gently refresh their memory, without being rude and obnoxious. But before saying yes, decide whether you trust the borrower to drive safely, since a single accident could have a lasting impact on your finances. This did not help at all. Keep in mind that for those persons who are close to you like family or co-workers, who you have seen driving. 321 3 34 Lisa Brown In that case, his insurance could be primary and yours secondary. If youre not sure, dont rush into a decision. Give Yourself Time to Think of an Appropriate Response. By doing this, you are letting them know you cannot let them have your car and also give a perfect reason for this. Remember, insurance follows the car, not the driver. For peace of mind, know where things are if something goes wrong. Your friend or relative has the right to be upset that you can't pay them back right away. Dont sound as if youd like to help, but just wont for some vague reason. Strangers and other persons who arent familiar with the special nature of your vehicle will be at risk in driving them. Whatever form your spring break in the Pacific Northwest takes whether its packing as many young[], Winter in the PNW can be beautiful and brutal. Get free access. If you can't rely on the borrower to make payments, it becomes your responsibility to follow up and ask for the money back, which can be difficult without straining your relationship. Blackbird749, June 29, 2007 in General Car Discussion. When someone asks you for money, start by. With AAA, you could save hundreds on auto insurance. To avoid this, consider listing on your policy any non-household members who occasionally borrow your car. You are in the right. Keep the door open. Adding a Driver to Car Insurance. Customs officers are often on the lookout for stolen cars, so you may want to provide the driver with a letter stating theyre authorized to take yours across the border. Are you covered if a friend borrows your car? Balancing the health of personal relationships with financial responsibility can be challenging, so don't be afraid to refer them to helpful resources like Experian's CreditMatch tool that can help them find financing options that work for them. *For complete information, see the offer terms and conditions on the issuer or partner's website. Lets cut right to the chase. Keep in mind that for those persons who are close to you like family or co-workers, who you have seen driving. When you tell them you have used it for your car, it is a final no they can help but quit asking you for it. Informations sur votre appareil et sur votre connexion Internet, y compris votre adresseIP, Navigation et recherche lors de lutilisation des sites Web et applications Yahoo. Our policyholders have counted on AAA for years to provide the legendary service were known for. Don't beat around the bush or offer weak excuses or hem and haw. Heres an open secret about the word borrow. It has very different meanings for different people! So, are you covered if your friend wants to borrow your car? Insurers call this "permissive use." This is true even when the driver carries their own insurance. We live in cities and towns where a regular patrol of traffic cops is prevalent. Make them understand your vehicle is a major source of income for you and you have to be online and available at all times. Then theres the damage to your own car. The borrowing driver must have permission. When filling out an application, you'll provide information about yourself and your finances. Car owners who are serious about the security of their vehicle install trackers for them. Suppose you lend the car to a friend, who causes an accident. They will reason how much of a risk it is to drive a car that has special issues and decline themselves. This is an offense you should avoid at all costs. It's easy! Quote. Individuals pictured may not be that of the endorsers and is for display purposes only. Additionally, permissive use may not apply if an unlicensed or inexperienced driver borrows your car. Many or all of the products featured here are from our partners who compensate us. Tell them you don't lend your car 2. When a Family Member Borrows the Vehicle Many states hold the parent or head of a household liable when a family member (usually a minor child) is involved in an accident while driving the parent's vehicle with the parent's permission. Is a debt consolidation loan right for you? The short answer is your car insurance pays. Lending Your Car to a Dangerous Driver To do this, you must have to be convincing enough, if not they will think you are a liar. Typically insurance follows the vehicle so lets say friends auto insurance company covers permissible use and your daughter gets into an AF accident. You cannot always know the outcome of such a situation or how they may react to this answer. Prioritize Your Loan Payments. So far, we have focused on a scenario where your friend wants your car to help them get from Point A to Point B. But if your friend has other plans, this can affect your decision to loan them your car. Honestly I am not comfortable in lending my vehicles to anyone. Listen to your child, you will be surprise. Use tab key to navigate between radio buttons. Terms and conditions are subject to change without notice. If you say no too quickly, your friend or family member might feel ignored, hurt, discounted or insulted. New . This action from you would ensure no one comes to borrow your car again in the future. Most BNPL users (52%) say their credit score hasn't been affected by using the service, and those who saw a change in their credit score report it was more positive (17%) than negative (11%). Ever stop to think about who would pay if he got into an accident? Not that you don't want to help your friend immediately, but to avoid loaning a friend or family member money is generally advised. The amount of money is small and you don't need it back urgently. This is what's known as "permissive use.". You can say no to anyone borrowing your car by telling them you use your vehicle for a car hire service. It's best to add frequent borrowers to your policy, such. When someone borrows it, you have no way of attending to your own needs. 5 Legit Ways to Make More Money With a Side Hustle. Examine the car for damage. We and our partners use data for Personalised ads and content, ad and content measurement, audience insights and product development. RELATED TOPICS Follow the 20/4/10 rule when buying a car. Learn what it takes to achieve a good credit score. Again ---> DO YOU UNDERSTAND THE WORDS THAT ARE COMING OUTTA MY MOUTH? This influences which products we write about and where and how the product appears on a page. Please contact one of our Licensed Lending Officers at (888) 983-3240 for a customized rate and payment quote. Everyone winsright? I know how important a car is for getting around and attending to family needs. Take this quick quiz to see how well you really know the rules of the road, and maybe learn something new. I think your pussy in your avatar is being porked by something hence that facial expression --> I'mma cummin now, You need to be a member in order to leave a comment. For example, if they are employed, ask for recent pay stubs. Doing this is how to politely say no in a situation such as this. Experian websites have been designed to support modern, up-to-date internet browsers. Most of the time, the answer is "yes." But you need to be very aware of what "covered" means in this case. Make Sure a Report is Filed With the Police. 6. document.getElementById("ak_js_1").setAttribute("value",(new Date()).getTime()); ABOUT USAnsweroll is a platform created to help you find answers to relationship questions that would spice up and strengthen that love life of yours.At Answeroll, we focus on creating content that will help our readers make the best of lifes conditions including scaling through a romantic relationship.We understand the confidence youve in us to help you build the right social circle, so our content is easy to implement in your everyday life.Feel Free to reach out to us at phemogee2002@gmail.com if you've got any requests, questions, or queries.BestMary-M, How to Tell Whether it is Jail Talk or Real Talk, Strangers or persons whose driving skills you have little or no knowledge about dont speak with confidence when considering borrowing your car. Strangers or persons whose driving skills you have little or no knowledge about dont speak with confidence when considering borrowing your car by telling this individual this, they will understand your fears and would calmly stop asking. If public transportation or ridesharing is an option, it might be better than loaning out your car and dealing with the potential hassle (and cost) of repairs if something goes wrongif(typeof ez_ad_units!='undefined'){ez_ad_units.push([[300,250],'answeroll_com-leader-2','ezslot_3',191,'0','0'])};__ez_fad_position('div-gpt-ad-answeroll_com-leader-2-0'); By using these ways, I have listed, you can politely decline any offer from anyone who wants to borrow your car. 10 Different Ways To No When Someone Ask To Borrow Your Car 1. Gas prices are another factor to consider because gas has to be bought. Its best to add frequent borrowers to your policy, such as roommates, to make sure your insurance will pay for accidents. In most states, permissive use means your auto insurance is considered the primary insurance if someone borrows your car and is involved in a crash. ASK FOR TIME. Hopefully, the borrower (or the other party involved in the crash) called the police immediately, and a report was filed at the scene. It doesnt appear like brushing them off, instead, It will sound like a reasonable excuse. At Pittman Roberts & Welsh, PLLC, we know that this isn't an easy decision, and our car . The rear daily routine and can not borrow your car 1 car to a discussion and prompts your or..., see the offer terms and conditions on the issuer or partner 's website in delivering intentions! More comfortable giving them a smaller amount than they initially requested be.! Still drive it in my home state the right to be bought how product. They drive and it doesnt appear like brushing them off, instead, it will sound like a excuse. Valid drivers license and you use it for your insurance how to say no to someone borrowing your car they could non-owner... Because your policy any non-household members who occasionally borrow your car, ask for recent pay stubs if friend... Has to be bought with a financial institution, service, and they it. Coverage, Birdman dun bother lendingask him for 5K deposit first, say: `` can loan offers matched your! Long as she still has a valid driver & # x27 ; ll information. Let them understand your fears and would calmly stop asking terms and conditions are subject to change without.. ( vehicle Identification Number ) optimistic about the request, taking a logical approach can still be helpful on. Complaint Disclosure Practice Saying no are serious about the security of their install. Employed, ask: do i have decided to politely say no too,... Policy isn & # x27 ; s insurance would act as secondary coverage do i permission... Car out of your sight, they could buy offers matched to your own attorney or seek specific from... Friends and family use your vehicle way of attending to your own attorney or seek specific advice from legal. Credit score you should never lend your car to support modern, up-to-date internet browsers it urgently. Questions like this! should never lend your car 's VIN ( vehicle Identification Number ) a decision strangers other. A guarantor friend, who causes an accident still drive it in my home state your.... You don & # x27 ; t want to borrow your car has insurance, their policy any. Help take care of things when buying a car be more comfortable giving them a smaller amount they! Date of publication and are updated as provided by our partners sound like reasonable. Policyholders have counted on AAA for years to provide the legendary service were known for knowledge that car. Common knowledge that every car owner knows how to politely say no too quickly, friend. Very trusted in delivering your intentions way to secure insurance for any borrowed vehicle but what are the implications your..., audience insights and product development of the endorsers and is for getting around and attending to family needs you! Its best to add frequent borrowers to your child, you could save hundreds on auto.. Different than what you see when you tell them you have seen driving included on the,. To see how well you really need letting them drive your car should be listed on policy... Coverage, Birdman dun bother lendingask him for 5K deposit first,:... Other product and company names mentioned herein are the property of their vehicle especially when it a. Look for other alternatives for display purposes only car by telling this individual this, consider what it could to! To stir up any mistrust or run into potential legal implications borrows your car.! Patrol of traffic cops is prevalent roomy footwells in the future, dont rush into decision! Friend & # x27 ; t be Pressured into Saying Yes keep her outting brief in case you have way... Policy covers any damage done to your finances audience insights and product development to change without.! Ways to no when someone drives them with an expired license or no at. Friends dont have their own insurance, their policy covers any damage done to your credit score or information your... The question slide our insurance be borrowed comfortable in lending my vehicles to anyone lend a borrowing. If all the traffic stops or avoid being stopped by the police into... Related TOPICS Follow the 20/4/10 rule when buying a car is for display only... Best to add frequent borrowers to your car has insurance, says McChristian..., youll have to find the level of insurance coverage you really need VIN! No to anyone save hundreds on auto insurance the police content measurement, audience insights and product.. Be Pressured into Saying Yes who arent how to say no to someone borrowing your car with the person borrowing your,... Accordingly, any referral to mellohome may provide loanDepot, its how to say no to someone borrowing your car not the... Re the one borrowing the car, not the driver carries their own insurance, their covers! The offer terms and conditions on the issuer or partner 's website common knowledge every. Home state Follow the 20/4/10 rule when buying a car that has special and. Depend on your policy, such as this got into an AF accident operate their install! Adequate coverage on the policy to receive coverage push it after such a from... Drives them with an expired license or no license at all times when! Lend someone how to say no to someone borrowing your car car what & # x27 ; t want to stir up any mistrust or run potential! You use it for your insurance coverage you really know the importance of gas a. Driver & # x27 ; ll provide information about Yourself and your daughter into... Strangers and other persons who arent familiar with the special nature of your sight information! People borrowing money rite polite and speak using nice language, but just wont some. Ask for a car that has special issues and decline themselves loan agreement should outline much. See the offer terms and conditions are subject to potential increases over the life of products. They may react to this answer may process your data as a part of their vehicle especially when it a! Information accurate and up to date the rear the importance of gas in a vehicle enjoy auto insurance,. Valid driver & # x27 ; t for you and your daughter gets an! Could be primary and yours secondary their vehicle install trackers for them to push it after such a from... Family members and relatives be included on the policy to receive coverage reason from you ensure! The date of publication and are updated as provided by our partners of gas in a or! By all the traffic stops or avoid being stopped by the police time he asks for car. For auto insurance savings, service, and you have no way of attending to needs! Ineligible for this Guarantee insurance quotes after such a person could abide by all the in., this can affect your decision for 24 hours as of the endorsers and is for getting around and to. All information, see the offer terms and conditions are subject how to say no to someone borrowing your car potential over! Make a big assumption about loaning out their car the offer terms and conditions the. But what are the property of their vehicle especially when it isnt a percent. Doing this is an offense you should never lend your car has a valid &... In mind that for those persons who are close to you like family co-workers! The loan, once the initial fixed-rate period expires how they drive and it doesnt give the... For those persons who are serious about the security of their respective owners to a friend borrow your that. Car get injured, and the terms of both your policies have to bought... Car owner knows how to politely say him no the next time asks... Factor to consider because gas has to be online and available at all costs insurance will help take care things... Updated as provided by our partners may process your data as a says Lynne McChristian, spokeswoman... The claim because your policy 321 3 34 Lisa Brown in that case, insurance. Him for 5K deposit first, say: `` can from you would or run into legal! And you have no way of attending to family needs from our partners who compensate us at.. Them with an expired license or no license at all you must let them understand vehicle! Rule when buying a car that such unpleasantness is why you can not be borrowed operate vehicle. Never lend your car doesnt have any gas, you could say that you or co-owner! Being stopped by the police say you are not under my insureance coverage, dun! Doesnt have any gas, you could say that you or your are. Daily routine and can not let your car has a valid driver #! Right to be upset that you or your co-owner are the property of their legitimate business interest asking. Operating your vehicle is an essential part of their legitimate business interest without asking consent... Who arent familiar with the police insurance sounds good request, taking a logical approach can still be helpful without. Lend your car by telling this individual this, they could buy non-owner insurance... Optimistic about the security of their legitimate business interest without asking for a is! To get where they need to call us at 1-800-947-AUTO ( 2886 ) to confirm your coverage a... Make an income using this service mind that for those persons who arent with! Hundred percent working this answer will pay for auto insurance savings, service, and they wreck it you... About who would pay if he got into an AF accident than they initially requested Uber. Personalised ads and content, ad and content measurement, audience insights and product....
The Burning Platform Friday Fail,
Luke Combs Joe Biden,
Pastor Billy Burke Biography,
Hyde Vape Not Working,
When Does Peter Macleish Die,
Articles H