11 Mar Are You Covered if Someone Else Gets Into an Accident While Driving Your Car?
You may cover the entire cost of your car insurance, but these policies tend to affect your specific vehicle. If you lend your car to a friend or family member and they get in an accident, it’s possible that you could be on the hook for any related fees. Here’s what you need to know before letting someone else get behind the wheel.
At-Fault Accidents
If the individual driving your car is at fault for the accident, there are certain aspects of your policy that could help cut down on the associated cost. If you have auto liability coverage, this feature could pay for any medical bills or auto damage to the victim’s vehicle, but it would not cover your car. Collision coverage and medical payments coverage would be needed to cover your friend or family member’s medical bills, as well as repairs for your vehicle.
Permissive Use
Your insurance will most likely work only if you have given official permission for an individual to use your car. This means you would have to list your relative or friend on your insurance policy, or give them a clear go-ahead. If they take your car without permission (also known as non-permissive use), you may not be held accountable for any damages they incur on the road.
Check Your Policy
It’s best to check your policy before letting anyone drive your car. Most insurance companies will not automatically include other drivers, making it your responsibility to ensure that this coverage is stated in your policy.
Contact National Auto Collision Center
Whether you were behind the wheel of your vehicle or not, National Auto Collision Center in Tucson, AZ, can get your car back on the road in no time. For more information on our repair services or to request an estimate, call our Grant Rd. location at (520) 623-4959 or send us a message here.