What happens when your friend is behind the wheel of your car?
What happens when your friend is behind the wheel of your car?
It could be a family member who is already listed on your policy or simply a friend that you gave permission to drive. When a permissive driver is behind the wheel, your insurance is considered the primary insurance.
What happens if you let a friend use your car?
Car insurance follows the vehicle, not the driver. Although your friend’s auto insurance might kick in eventually, your policy is primary — and filing a claim could cause your rate to go up. Before you decide to let someone use your wheels, consider what it could do to your finances.
Who is responsible if your friend crashes your car?
“As a car owner, you are responsible (insurance wise) for anyone you allow to operate your vehicle,” says Penny Gusner, senior consumer analyst at Insure.com. “You can’t just say, ‘Not my problem’.” This also means that you (or your friend) will be paying your deductible and there is a possibility that your insurance rates will be headed up.
What should I do if my friend borrows my car?
To avoid this, consider listing on your policy any non-household members who occasionally borrow your car. If friends don’t have their own insurance, they could buy non-owner auto insurance. If they cause an accident in your car, your liability insurance would still be primary and their non-owner insurance would pick up any remainder.
Car insurance follows the vehicle, not the driver. Although your friend’s auto insurance might kick in eventually, your policy is primary — and filing a claim could cause your rate to go up. Before you decide to let someone use your wheels, consider what it could do to your finances.
It could be a family member who is already listed on your policy or simply a friend that you gave permission to drive. When a permissive driver is behind the wheel, your insurance is considered the primary insurance.
Who is responsible for your car if your friend borrows it?
It’s your insurance policy that is responsible for your car when someone else driving it is involved in an accident. A common myth is that if your friend borrowing your car has insurance, then it’s your friend’s insurance policy that covers any damages. Not true.
What should I do about my friend’s auto policy?
Liability coverage won’t pay for damages beyond the limit for which you are insured. If your liability limits are not enough to cover all the damages inflected on the other party, your friend’s auto policy may be looked at secondary coverage.
