Auto insurance follows the car — not the driver. So when someone else drives your car and they get in an accident, your insurance company would likely be responsible and may impact your insurance rates in the future. Read on to learn more.
Does Car Insurance cover Other Drivers Of My Car?
When someone else driving your car is at fault for the accident, here’s how your policy can be of assistance:
- Auto liability coverage: This coverage may pay for another person’s medical bills or damaged vehicle that resulted from the accident.
- Collision coverage: When you have collision coverage, it may pay for repairs to your vehicle. You will be responsible for the deductible (the amount you’re responsible for paying before insurance kicks in) first.
- Medical payments coverage: If the driver of your vehicle is injured in an accident they caused, this coverage can help pay for their medical bills.
Permissive And Non Permissive Use
Most car insurance policies will cover drivers you’ve listed on the policy, or anyone whom you give permission to drive your car, says Nolo.com. This means your insurance will likely cover another driver in the event of an accident, as long as they had your permission to drive your vehicle. Remember though, some states may provide reduced coverage when other people drive your vehicle. When a friend or family member takes your car without your consent, you may not be held accountable for damage if an accident occurs. For example, if a friend borrows your car without your permission and causes an accident, your friend’s insurance may be considered primary coverage. However, if your friend doesn’t have insurance, you may still have to file a claim with your own insurance company to help cover the accident. Or, if a thief takes your car for a joyride and crashes into another vehicle, you likely won’t be liable for damage and repairs to the other vehicle.
Be sure to read your policy’s terms and conditions, or talk to your agent, so you understand what’s covered in your state. You may also want to talk to your agent about whether you can exclude drivers from your policy.
If you’re a licensed driver who doesn’t own a vehicle, you likely don’t have a need for a long-term car insurance policy. But, what should you do if you need to temporarily borrow someone else’s car? Here are some points to keep in mind:
- The car owner’s insurance policy may help provide coverage if you get into an accident.
- You may be responsible for certain types of damage, depending on the coverages the owner’s car insurance policy includes. For instance, if their policy doesn’t include collision coverage, you may have to pay for the repairs to their car if you cause an accident.
- You may be responsible for costs that exceed the coverage limits on the owner’s car insurance policy.
If you’re planning to lend your car to a friend or family member, or borrow one from someone else, remember that it’s a good idea to review both of your insurance policies first. Your local agent can also help answer any questions about your policy before you decide whether lending your car makes sense for you.
Auto Insurance Quotes
From offering liability protection to you and your family to helping you get reimbursed for personal property damage, auto insurance provides many types of coverage. Learn more about Auto Insurance Coverage or get a free auto insurance quote from Klimes Insurance today.
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