What happens if someone else is driving my car and gets in an accident?
If someone else is driving your car and gets in an accident, your car insurance will likely cover any resulting damage, which means the claim will go on your insurance record and could affect your rates. On the other hand, if your car is taken without permission or the driver is not licensed, the driver is responsible.
Does your auto insurance cover borrowed car?
In general, insurance coverage for an insured driving someone else’s vehicle is the coverage he carries for his own vehicle. The driver’s personal coverage will apply in most cases when driving a vehicle he does not own. Collision and comprehensive coverage do not apply to a borrowed vehicle.
Can I let someone borrow my leased car?
Most lease contracts specify who is allowed to drive a leased car. Other than the lessee, other drivers may be restricted to a spouse or family member. Lease companies typically require a request for permission for drivers other than those allowed by the contract.
Are you liable if someone else wrecks your car?
If your friend is driving your car and gets in an accident, but the other driver was at fault, then the at-fault driver’s insurance will cover the damages and costs. However, if you don’t have collision coverage, you’ll have to cover damages to your vehicle.
Is your car insured if someone else drives it?
Usually, yes — your car insurance coverage should extend to anyone else driving your car. So if you lend your car to your best friend, your sister or even your second cousin, your insurance is most often the insurance that will pay in the event of an accident.
Can I drive my friend’s car if I don’t have insurance?
You’re not insured, but your friend is insured. Or maybe you have motorcycle insurance, but not car insurance. Whatever the case may be, you’re wondering: Can I drive my friend’s car without insurance of my own? Typically, the answer is yes.
Are you insured if you drive someone else’s car?