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.

Will my insurance cover a borrowed car?

Does my car insurance cover me while driving someone else’s vehicle? The general rule of thumb is that car insurance follows the car, not the driver. Therefore, if you borrow someone’s car, you would be covered under their car insurance policy up to the policy limits they chose.

What happens if I allow someone to drive my car?

If your car insurance policy has a permissive use clause, it will typically cover anyone who had permission to drive your vehicle. In other words, if you allow a coworker, roommate, friend, or family member to drive your car – and they happen to be involved in an accident – your insurance policy will probably cover them.

Do you have to have insurance to drive someone else’s car?

Does comprehensive car insurance cover me to drive other cars? In the past, most comprehensive car insurance policies included driving other cars (DOC), giving drivers third party policy protection when driving other people’s cars with their permission.

What happens if someone else is driving my car and is at fault?

There are some scenarios where you do not have to worry about your insurance. 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. Your insurance situation can get more serious if your friend was at fault for the wreck.

Who is liable if someone else gets into my car?

Since it was your car and therefore your insurance applies, you can be held personally responsible for covering the rest of the costs, which could be financially damaging. Before letting a friend borrow your car, you should know if they have insurance coverage.