If you cause an accident while driving a friend or family member’s car, will their auto insurance still cover the damages? On the other hand, who is responsible for damages if someone else crashes your car? Unfortunately, the answer to this seemingly simple question can depend on who’s driving the vehicle and what type of policy you have.

Does Auto Insurance Follow the Car or the Driver?

Liability Insurance

As a general rule, liability insurance follows the car, as long as you gave permission to the person driving. If a family member causes an accident while borrowing the car, anyone injured in the crash will be able to file a claim with your insurer. However, if the driver lives with you and isn’t listed on the policy, your carrier might deny the claim, so speak with your agent to ensure you’re protected.

Collision & Comprehensive Coverage

Like liability insurance, collision and comprehensive coverage protect your car, not the individual driving. If you cause an accident while driving someone else’s car, their collision coverage will pay to repair their vehicle. By the same token, if their car is damaged in a hailstorm while parked in your driveway, their insurance will pay for the bodywork.

Coverage That Follows the Driver

If a driver causes an accident with damages that exceed the vehicle owner’s coverage limits, their own liability insurance may make up the rest.

Some auto insurance policies also include medical payments, which cover the hospital bills of any other passengers in the car, regardless of fault. This coverage, along with personal injury protection, also typically follows the driver when they borrow a friend or family member’s car.

Everyone needs auto insurance, but choosing a policy can be frustrating and overwhelming. For over a decade, the independent agents at Integrity Insurance Solutions have helped San Marcos, TX, drivers protect themselves from the unexpected, and will always take the time to thoroughly explain your options before helping you make the best choice. Visit their website or call (512) 396-2211 now to request your free quote and follow their Twitter for more helpful tips and advice.