Resources

Imagine you let a friend borrow your car, and they get into an accident. Who is responsible for the damages—the driver or you, the car owner? Understanding whether car insurance follows the car or the driver is essential to avoid unexpected financial and legal issues. In this article, we’ll explore how auto insurance policies work, when insurance follows the car versus the driver, and what you should know before letting someone borrow your car. Does Car Insurance Follow the Car or the Driver? Many people assume that car insurance follows the driver, but in reality, car insurance generally follows the car. This means that if someone is driving your vehicle and is involved in an accident, your insurance coverage will typically apply first. Primary Insurance: In most cases, liability insurance follows the car, meaning that if someone borrows your car and hits another car, your policy will cover the damages. Secondary Insurance: If the damages exceed your car insurance policy limits, the driver’s insurance may act as secondary coverage. Comprehensive and Collision Insurance: If your car sustains damage in an accident, your collision insurance will usually cover it, regardless of who was driving. While car insurance generally follows the car, there are situations where insurance follows the driver, such as when driving a rental car or a vehicle for commercial purposes. What Happens If Someone Else Drives Your Car and Gets in an Accident? If you lend your car to someone and they are involved in an accident, determining who […]