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 when your car is totaled by someone else?

In some cases, a totaled car may not be anyone’s fault. If your car is totaled in an accident that is caused by another driver, your collision coverage may first come into play. However, your insurer may seek repayment from the other driver’s insurer to cover the loss.

How does an insurance company decide if a car is totaled?

Insurer decides if a vehicle is totaled, there are two classifications, A and B. A is the vehicle is good for parts only and B is the vehicle is repairable. Cost of repairing the vehicle exceeds 75% of the fair market value of the vehicle. Insurer or self-insurer determines a total loss.

What happens if my car is a total loss?

In other cases, the insurer determines whether a vehicle is considered a total loss. Comprehensive coverage and collision coverage help pay to replace a totaled vehicle. These two separate coverages are typically required on your car insurance policy if you’re leasing or financing your vehicle.

What to do when your car is totaled in an accident?

If you’re involved in a car accident, there are a few basic steps to follow before and after your vehicle is considered totaled: Contact your agent and initiate an insurance claim. Your insurer will determine whether the vehicle is a total loss, based on repair costs.

What does it mean when another driver takes your 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. It’s a common misconception that car insurance follows the driver.