Quick Answer: What Happens If You Let Someone Else Drive Your Car?

What happens when you let someone else drive your car?

In most cases, if you give permission to someone else to drive your car (making them a permissive driver) and they cause an accident, your insurance will cover the costs.

If the person who was driving your car doesn’t have their own insurance, they may be on the hook financially for damages to the other party..

Why you shouldn’t let someone drive your car?

They could lose control of your vehicle and collide with another vehicle. That could put you on the hook to cover the damages. Although you may trust your friend, you shouldn’t risk your car and your insurance coverage by allowing them to drive your vehicle.

How does insurance work if someone else drives my car?

Typically, even if the person driving your car has his or her own insurance, your insurance will be the primary payer for damages caused by your vehicle; but, the person driving your car has to be found legally at fault before your insurance will pay.

What happens if someone borrows your car and gets in an accident?

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.

Can you legally drive someone elses car?

While it is perfectly legal to drive another car, whether or not you are insured is a different matter. … It doesn’t matter who is driving the car, just the fact that the car itself is insured. This means that if you get in a wreck while driving a friend’s car, then your friend’s insurance will pay for it.

Are you liable if someone else wrecks your car?

So if you lend your car to a friend or a visiting relative, you could be liable if an accident occurs. Even if your friend has great coverage with the highest limits and the lowest deductibles, your auto insurance would have to cover the damages if your friend got into an accident while driving your car.

Can someone not on your insurance drive your car?

Usually, yes — your car insurance coverage should extend to anyone else driving your car. … This means even if your friend, sister or cousin have the best coverage possible, it would usually be your auto insurance that’d be covering the damages if they were at-fault in an accident while driving your vehicle.

Is it OK to let someone borrow your car?

You can safely lend your vehicle to someone without worrying about whether that person is named as a driver on your auto insurance policy if the following three conditions are met: You’ve given the person permission to drive your vehicle.

Can I drive my parents car if I am not on their insurance?

Unfortunately, your parents will need to add you to their policy. You cannot just drive their cars without insurance (even if the cars are insured). … If you live under the same roof as them, and drive the car, yet aren’t a policy holder and get into an accident, you won’t be covered.

Can my son drive my car if he doesn’t live with me?

Your child likely won’t be able to be on your policy any longer because he or she doesn’t live in your household. … If you’re the parent who isn’t listing the child on your car insurance, your child can still drive your car and be covered by your insurance. It works just as if you had a friend borrow your car.

Can someone drive my car if they are not on my insurance progressive?

As long as you gave them permission to drive your car, then they should be covered. Their policy extends to your car and covers them the same way as if they were driving their own car. Damages they cause to others’ cars, property, or even injuries are covered.