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Imagine this: you lend your car to a friend for a quick errand, but an hour later, you get a call that they’ve been involved in a car accident while driving your car. Your mind races—who is responsible? Will your insurance cover the accident? Could you, as the car owner, be held liable for any damages? Understanding your liability when someone else is driving your car and gets in an accident is crucial to protecting yourself legally and financially. This blog post will break down everything you need to know about liability when someone else drives your car and causes an accident. We will explore how car insurance policies work in these situations, when you may be held liable, and what steps you should take if this happens. Understanding Car Insurance Coverage When Someone Else Drives Your Car When you let someone else drive your car, your car insurance policy generally follows the vehicle rather than the driver. This means that in most cases, your insurance coverage will cover damages from an accident while driving your car, even if someone else is behind the wheel. However, insurance coverage depends on several factors: Permission: If you gave explicit permission to the driver, most insurance companies would cover the accident under your policy. Exclusions: Some auto insurance policies exclude coverage for certain drivers, such as those with a poor driving record or those who were driving under the influence. Primary vs. Secondary Insurance: Your liability insurance may be the primary coverage, but […]