Question: How Does Insurance Work If Someone Borrows Your Car?

Can my son drive my car if he is not insured?

If your adult child, or anyone else for that matter, drives your car, the driver is covered by your auto insurance policy.

The reason is that car insurance follows the car, not the motorist.

This fact has ramifications for you as the owner of the insured car..

How does insurance work when someone borrows your car?

If the person who borrows your car causes damage or injury to another person or vehicle, your insurance will still cover them, but they’ll be on the hook for any damage that exceeds your coverage limits.

What happens if someone crashes your car and isn’t on your insurance?

If your friend is uninsured, you’ll probably need to use your collision insurance to cover the damages to your own vehicle and your liability insurance may cover damage to others’ property.

Does insurance cover if you let someone borrow your car?

Car insurance usually follows the car in California. … If you let someone borrow your car and they cause an accident in California, bodily injury liability insurance pays for injuries to the other driver and their passengers. Property damage liability insurance will pay for damage to the other driver’s car.

Will my insurance cover me driving an uninsured car?

Is that allowed? No, it is illegal for an insured driver to be driving an uninsured car because insurance is tied to the car and not the individual driver. Driving a car without insurance can result in serious penalties like fines, license suspension, and even jail time.

Can someone not on your insurance 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.

Should you let someone borrow your car?

Although you should check your individual policy, most of the time you can let someone drive your car and still have coverage. As long as you give the person permission, and they only drive the car occasionally, there shouldn’t be an issue. Accidents, however, are unpredictable and can happen anytime.

What happens if someone else is driving my car and gets pulled over?

When your friend explains that they borrowed your car, the officer will write a ticket directed at the driver—not the vehicle itself. They may also request to speak to you (to make sure that the car isn’t stolen). This means your friend has to pay the ticket and any applicable points would be on their license.

Why you shouldn’t let someone drive your car?

If someone else drives your car they may change the seat position, the mirror angles or other systems. After storing your settings, allowing your friend to drive creates extra work for you. Keep your settings as you have them by denying your friend access to your driver’s seat.