Question: What Happens If My Friend Drives My Car?

Is it OK to let someone borrow your car?

So if you lend your car to a friend or a visiting relative, you could be liable if an accident occurs.

Even if your friend has great coverage with the highest limits and the lowest deductibles, your auto insurance would have to cover the damages if your friend got into an accident while driving your car..

Can friends drive your car?

Usually, yes — your car insurance coverage should extend to anyone else driving your car. … So if you lend your car to your best friend, your sister or even your second cousin, your insurance is most often the insurance that will pay in the event of an accident.

Can I drive a friend’s car without insurance?

No, it’s not illegal to drive someone else’s car. … But to give you an idea, according to the New South Wales Roads and Maritime Services website, you’re looking at a $607 fine for driving a vehicle that’s unregistered and a $530 fine for driving a vehicle that’s uninsured.

Does insurance follow the car or driver?

A standard auto insurance policy follows the car, not the driver. If someone other than the car’s owner, or the person named on the policy, borrows the car and is involved in a collision, in most cases insurance will pay for damages Of course, only if the car is being driven legally.

What happens when someone takes your car without permission?

In the eyes of the law it makes no difference if the vehicle that is taken without permission is a family car. This will still be classed as theft and the police will try to prosecute. Taking a family or friend’s vehicle without consent can mean a court case and a criminal record.

Will Geico cover my car if someone else driving?

The short answer: Yes. Your auto insurance covers your car, not the person driving it. If someone borrows your car and crashes it, your insurance will cover the losses — however, your premiums may increase.

What happens when you let someone else drive your car?

If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy. The claim would go on your insurance record and could affect your car insurance rates in the future.

What happens if someone wrecks your car and they aren’t on your insurance?

If Drew gets into an accident and isn’t at fault, you won’t have to worry about your insurance taking a hit. … For example, if your uninsured friend causes a 3-car pileup that exceeds your car insurance limits, the injured parties could sue you to pay for medical fees and property damages.

Can I drive my parents car if I am not on their insurance?

Can I drive my parents’ car without insurance? … You must be properly insured if you drive on the public road, no matter how short the distance, even if your parents have given their permission for you to drive the car, and even if they have their own insurance policy covering the vehicle.

Are you covered to drive someone else’s car?

Although driving other cars cover does allow you to drive another vehicle, most policies will only cover you to drive other cars with third party cover, rather than the fully comprehensive cover you get on your own car. … Driving other cars cover is usually only available on a comprehensive car insurance policy.

What to do after a car accident that’s not your fault?

Even if you’re not at fault, you can make a claim with your insurance company for payment of damages and injuries — if you have the right coverages. If you have collision insurance, file a claim with your own carrier. It will pay for the cost of repairs or total loss of your vehicle.

Can I sue my friend for crashing my car?

Unlike the driver of a vehicle, passengers can NEVER be at fault for road traffic accidents. As a result, they are ALWAYS entitled to recover the full amount of damages. If you have been injured as a passenger in an accident you may be able to sue: … Both drivers.