You should never assume your insurance will cover the accident and any damage. We recommend not lending your car to someone who doesn’t have car insurance of their own because if they cause an accident in your car, then you would be liable for the costs that exceed your coverage limit. So, if the damage caused exceeds the limits of the owner’s liability coverage, then the driver’s own liability insurance would cover the rest of the costs.
#SOMEONE ELSES VEHICLE FOR CALIFORNIA DRIVERS TEST DRIVER#
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. There are some cases where certain types of coverages follow the driver. When Does Insurance Follow the Driver?Īs we mentioned above, car insurance typically follows the car, but this is not always the case. This means that if that person drives your car, your insurance will not cover any damage that takes place. If someone is listed as an excluded driver on your policy, then they’re expressly excluded from your car insurance. However, non-permissive use can be hard to prove to your insurance provider.
If someone borrows your car without your permission and causes an accident, then they would be liable for the damage. Drive under the influence of drugs or alcohol.Your insurance may not cover the damage from an accident of a permissive driver if they: However, there are some exceptions to this. Your liability coverage will pay for the damage of injuries they caused to someone else, and your collision coverage would pay for the damage to your vehicle from the accident. This means that if the permissive driver gets in an accident, your car insurance will cover the damage in much the same way as though you were driving it. Whenever someone is driving your car with your permission, your car insurance will be primary. People who drive your car with permission as called permissive drivers. This is the case if they’re driving your car with permission. If someone borrows your car, they are, in a way, borrowing your car insurance as well. What Happens When Someone Gets in an Accident in my 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. There is no single answer to this question however, in most cases, car insurance tends to follow the car it covers rather than the driver. Does Insurance Follow the Car or the Driver in California? This blog will go over whether insurance follows the car or the driver in California. As with most car insurance-related questions, the answer can be complicated. One of the biggest questions Californians have about auto insurance is whether the insurance covers the person driving the vehicle or whether it sticks with the car(s) listed on the policy. When it comes to car insurance, figuring out when you are and aren’t covered by your auto insurance can be confusing.
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