What Happens to My Insurance If Another Driver Crashes My Car?

Posted in Auto Insurance , Auto Insurance Claims

September 8th, 2009

From time to time we have to let other people, such as friends or family, drive our cars. Their car may be in the shop, or maybe it’s been stolen and they haven’t gotten their new car yet. In any case, they might need to borrow your car and you let them. If they get into an accident while driving your car, it can have negative repercussions to your car insurance.

Who is covered by my insurance?

Many people have auto insurance that provides coverage for other drivers of their car. You may as well, if your policy requires you to list who these other drivers are. They can be family members, such as a spouse or teen aged children, or just close friends who drive your car semi-frequently.

Other types of auto insurance will cover your car no matter who is driving. Other auto insurance providers will not cover any damages to your car if a person other than yourself is driving it during a crash. Before you lend your car to any one, make sure you know how your auto insurance provider will respond if another driver crashes your car.

What happens after the accident?

If another driver crashes your car, and he or she is responsible for the accident, you could see your insurance rates go up. This is a very likely scenario: it’s your car, and you’re responsible for it no matter who drives it.

To learn more about your auto insurance coverage, and what happens to your insurance if another driver crashes your car, be sure to call or meet with a qualified auto insurance representative and go over your questions in as much detail as you need. You should know all about your auto insurance before you commit to paying for it, especially in terms of what happens should another driver crash your car.