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.

Will insurance pay if someone else is driving?

You may think you’re covered for damages caused by another person driving your car because you have compulsory third party (CTP) insurance. Under comprehensive car insurance (and some other policies), you can claim cover for an unlisted driver, although you’ll have to pay an unlisted driver excess.

What happens if I give another driver my car?

Permissive use generally applies in these cases. Permissive use means that if you give another driver permission to take your car, they will be covered by your car’s insurance coverage. NOTE: Your own policy provides the primary coverage, not theirs. See below for more information.

What happens if someone else gets a car ticket?

But if someone else gets a ticket while driving your car, the infraction will be charged to your friend because he operated the car. If you want more detailed information on this topic, read ” Insurance follows the car .”

What happens if you exclude a driver from your insurance policy?

Excluded Drivers. If you’ve excluded a driver from your auto insurance policy, e.g., because his driving record is poor and it could save you money to exclude him, your coverage will not pay for damages he incurs in the vehicle if he takes your car and gets into a crash.

Who is covered when another driver has an accident in your car?

Who Is Covered When Driving Your Car? It can be confusing to understand who is covered to drive your vehicle. Though policies will vary, the general rule is that anyone living in your house is typically covered when driving your car, unless expressly excluded on the policy (see “Excluded Drivers” below).