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What happens if someone gets in an accident driving 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.
Does it matter who owns the car for insurance?
Generally, whoever is the titled owner of a car needs to be the one to insure it. Car insurance companies want to make sure the primary policyholder has what’s called insurable interest in the car they’re insuring.
Can someone drive my car with their own insurance?
Yes, they can. However, this child would have to be listed on the policy, otherwise the insurance company could deny the claim or charge the insured a hefty penalty in the event of a claim. If a person lives at the same address as you and operates your vehicle even one day a year, they should be listed on the policy.
What happens if someone steals your car and causes an accident?
Theft: If someone steals your car and causes an accident, you won’t be liable for damages/injuries to the other vehicle/driver. However, damages to your own vehicle would probably be covered under your own coverage.
What happens if an excluded person is driving the car?
If an excluded person is driving the car and an accident occurs then the insurance company will not be held liable for any damages. Excluding certain drivers can help policyholders save money and is a very good idea for households with multiple drivers.
What kind of Insurance follows the person driving the car?
In others, insurance will follow only the car. It depends on who is driving your vehicle, what type of coverage you need to use, and how the incident occurred. Typically, liability insurance follows the driver, and full coverage follows the car.
Do you have to have insurance for someone who only drives your car?
Most often, your insurance will cover anyone who only drives your car once in a while. That’s because insurance follows the car, not the driver. However, if a friend uses your car often, you may need to add them to your policy, especially if they don’t carry their own insurance.