Since your car insurance will almost always cover damage caused to another driver by an accident, you can be held liable if someone else drives your car. It will be on your record. It could impact your insurance rates. Drivers who take your vehicle without your consent, or do not have valid licenses, are responsible.
Permissive or non-permissive vehicle usage
Your permission to let others borrow your car could impact whether or not your insurance covers you in the event of an accident. This type of use may be called “permissive”, and/or “no permissive.”
Non-Permissive
Let’s suppose a family member or friend takes your car without permission and causes an incident. If they cause an accident, their insurance could be considered primary. Your policy may be able to cover the accident regardless of whether your friend has insurance. However, if a criminal takes the car of your friend and causes an injury, you are not liable for any damage or repairs to the vehicle. For the cost of repairs to your vehicle you may need insurance.
Permissive
Lawyer reports most automobile insurance policies are covered for the drivers you designate on your policy. Your insurance will cover you if another driver causes an injury while operating your vehicle with permission. However, some states may offer less coverage if you permit others to drive your automobile.
How do I prove my permission?
It is very difficult to prove someone’s permission to operate your car. You could be responsible for any damages resulting from an accident that occurs if you cannot prove you consented.
Let’s say that someone has a poor driving track and you know that it will increase your premiums. If they are driving your car and cause an accident, you could opt to get rid of your coverage. Your insurance company is not responsible for the damage.
Finally, if your car driver is committing a criminal act, you can be held accountable. There are many examples, such as driving while drunk or without valid driver’s licensing.
Supplemental Insurance Coverage for Driver’s Insurance
You may be allowed, if the driver of your car has their own automobile insurance coverage, to use it as a source of supplemental insurance. A common misconception regarding vehicle insurance is that a non-owner driver cannot be held liable. In this instance, your automobile insurance would provide primary coverage.
You might have an accident with another driver, for example. Your insurance company is responsible because the other driver was at fault for the damage. Your insurance will pay for the damage, but only up to a maximum amount. If your policy limits are exceeded you may be eligible to have the driver’s auto insurance cover the remainder.
What happens if you insurance refuses pay?
Vehicle damage may not get covered if another driver was involved in the accident.
Your car was seize without your consent.
Your insurance policy does NOT cover the person driving your car.
The motorist is either under the influence of drugs and alcohol, or is without a valid driver’s license.
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