What Happens if Someone Else Crashes Your Car?

Letting a friend or family member borrow your car might seem like no big deal until something unexpected happens. Suddenly, you’re left asking: Who pays for the damage? Will insurance cover this? And could I be held responsible?

At GoAuto Insurance, we believe in helping you stay informed and protected. Here’s what you need to know if someone else crashes your car.

Insurance Usually Follows the Vehicle, Not the Driver

Here’s the good news: in most cases, auto insurance follows the vehicle, not the driver. So, if someone else is driving your car with your permission and causes an accident, your insurance policy is usually the one to cover damages.

However, what your insurance covers depends on your policy details, including coverage limits, deductibles, and the type of claim.

Permissive vs. Non-Permissive Use

Permissive use means you allowed someone to drive your car. In that case, your insurance likely extends to the driver. But if someone took your car without permission, or if they’re a named excluded driver on your policy, your insurer may deny the claim altogether. In that case, the driver (or their own insurance) may be held financially responsible. Always review your policy to know exactly who’s covered and who’s not.

What if the Driver Has Their Own Insurance?

If the person driving your car has their own insurance, it may act as secondary coverage. That means their policy might help pay for any costs that exceed your own policy’s limits.

It’s a helpful backup, but it’s not guaranteed. The best way to protect yourself is to make sure your own coverage is up to date and includes the protection you need.

When Could You Be Held Responsible?

Even if you weren’t in the car, you could be held partially responsible if the driver was reckless, under the influence, or didn’t have a valid license. Only hand over your keys to people you trust, and always confirm they’re insured and capable behind the wheel.

Be Insured by GoAuto Insurance

Life is unpredictable. That’s why your insurance should be dependable. At GoAuto Insurance, we offer simple, affordable coverage so you can feel confident in any situation. Need to review your policy or get a free quote? We’re here to help. Get started today by visiting our website, calling 833-700-0000, or stopping by your nearest location.