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.

What happens if my friend 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.

Is my car insured if someone borrows it?

When a driver borrows a car and causes an accident, the car’s owner’s car insurance is the primary insurance, but if the driver has their own insurance as well, then it will serve as the secondary coverage.

How does insurance work driving someone else’s car?

Contrary to popular belief, car insurance typically follows the car — not the driver. 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.

Can you let your friend drive your 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.

Why did I get a ticket for driving my friend’s car with?

As the driver of the car, you are considered to be in control of the car and responsible for it. As such, if the tag was expired, you will be issued the ticket. With the way tickets work, you cannot “switch” the ticket to your friend in order for her to be responsible for the ticket.

What happens if your friend gets a speeding ticket?

Each state holds drivers accountable for their own actions. If your friend speeds in your car and gets caught, you will not have to worry about any repercussions on your license or, in general, your insurance. Car insurance generally follows the driver.

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.

What happens if a friend takes my car without insurance?

Use of vehicle by a friend or family member: If your friend takes your car without your permission, their coverage would likely pay first and yours would step in to fill in the gaps. Use of your vehicle by an uninsured friend: If your friend takes your car without permission and is uninsured, you can expect your own car insurance coverage to pay.