Most standard insurance policies will cover a driver that’s not listed on your policy but has permission to drive your car. … In the event that you specifically name someone on your policy as an excluded driver, your policy will not cover them at all.
How does insurance work if someone borrows your car?
Non-Permissive Use and Excluded Drivers
If someone borrows your car without your permission and causes an accident, then they would be liable for the damage. … This means that if that person drives your car, your insurance will not cover any damage that takes place.
What happens when you let someone else drive your car?
If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy. The claim would go on your insurance record and could affect your car insurance rates in the future.
Do you need insurance to drive someone else’s car?
In general, you do not need insurance to drive someone else’s car, as long as you have permission to drive it and you only drive it occasionally. … The insurance company may not cover an accident you cause while driving a car you borrowed from someone living in the same household.
What happens when someone not on your insurance crashes your car?
If your friend is uninsured, you’ll probably need to use your collision insurance to cover the damages to your own vehicle and your liability insurance may cover damage to others’ property.
What happens if someone who isn’t on your insurance crashes your car?
If you did not have enough insurance coverage, you may be personally liable for damage to other vehicles, medical expenses, lost earnings, and pain and suffering. In California, the vicarious liability doctrine allows for someone to be legally responsible for injuries even if they did not directly cause them.
Will my insurance go up if someone else crashes my car?
The short answer is yes, probably. Since your car insurance works much the same way when you lend it to someone and when you’re driving it yourself, your premiums will go up if someone else causes an accident in your vehicle, just like they would if you caused an accident.
Can my son drive my car if he is not insured?
If your adult child, or anyone else for that matter, drives your car, the driver is covered by your auto insurance policy. The reason is that car insurance follows the car, not the motorist. This fact has ramifications for you as the owner of the insured car.
Can other people drive my car?
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.