What If Someone Gets in an Accident in My Car?

What If Someone Gets in an Accident in My Car?

A woman calls her insurance agent after an accident in someone else's car.

It’s critical to use caution when lending out a car. Driving is risky, and someone is inevitably to blame when an accident occurs. So it’s crucial to understand who is responsible for liability in the event of a car accident. Will the driver or owner be responsible? Anyone you permit to operate your vehicle runs the risk of being involved in an accident. The owner must file a claim with their auto insurance provider if their vehicle has been involved in an accident, which can be a complicated process.

Will My Insurance Cover an Accident in Someone Else’s Car

Your insurance must pay for a driver if you allow someone else to drive your automobile and they cause a collision. They will be responsible for any damages beyond the limitations of coverage. Automobile insurance protects customers from financial responsibility in the event of a collision. However, for a driver to be covered under your insurance policy, you must give them permission to use your vehicle.

Acceptable Use

The person driving your automobile frequently receives authorization from you, and the insurance coverage will cover them. They have the right to operate your vehicle, whether a friend or a family member. If there is a claim, the insurance will pay for that friend.
Collision insurance pays for damage to the owner’s car, while liability insurance covers the driver who caused the other driver’s car damage. However, the limits of the coverage might not fully cover the harm the motorist causes to others. If such an accident occurs, the driver may contact their own insurance provider, and their liability insurance might contribute to covering those expenses. Without auto insurance, the driver may be responsible for covering damages to the other party out of pocket.

Plan Participants (Spouse, Children)

The family members (spouse and kids) are probably already covered by the policy unless they are specifically excluded. Most insurance providers demand that every driver in a home (i.e., every family member) be included in the policy. Everyone included in that policy receives the same level of protection as the main driver. If someone who shares automobile insurance coverage causes an accident, the insurance company will pay for it.


The vehicle owner is not responsible for any damages or injuries if someone else steals the car and wrecks it. Everything is going to involve the law. Theft and injury to third parties are typically covered by comprehensive coverage, which is an optional policy component.

When Insurance Companies Will Not Cover Accidents Caused By Others

There may be circumstances where the insurance does not cover damage to the vehicle brought on by someone else driving your automobile. These often relate to the following situations:

Unauthorized Driver

If it can be established that a friend borrowed the car without your consent, which is challenging to do, they are responsible for any damage that results. The car’s owner may need to file an insurance claim to pay for damages. That might occur if the friend used the automobile without permission and didn’t have auto insurance.

If another driver of your vehicle is excluded from the policy, Excluded Driver Insurance might not be able to pay for any injuries they cause to the car owner. An excluded driver may be a high-risk individual or have minimal experience, and the owner purposefully left them off the auto insurance coverage to avoid potentially higher premiums.

Unlicensed or Drunk Driver

If a person borrows a car and gets into an accident while under the influence of alcohol or does not have a valid driver’s license, the insurance company is unlikely to pay for the damages. Both of those actions are prohibited by law, which is very clear. In fact, if a person is killed in a car accident, the other party can discover that the law is pursuing them and that they are facing severe penalties.

When a Teenage Child Has An Accident

If a teen has a license, their name must be added to the insurance policy as an insured driver. They will be protected if they drive your automobile and cause an accident in this manner. Teenagers frequently lack maturity and driving experience, which can drive up rates. The law states that they must at least have a permit to operate their vehicle legally. Teen drivers who do not have a license or a permit are typically not covered. Claims are typically admissible if the child took the car and crashed it. However, a police report might be necessary, and the claim might not fully compensate for the losses.

Do Auto Insurance Rates Rise Following an Accident?

Most of the time, yes, in the event of an accident, insurance costs will inevitably increase. Car insurance functions equally whether the owner is driving or someone else is doing so. Both parties’ insurance policies take effect, and premiums increase if there is an accident, regardless of whose party caused it. The result is a financial loss due to property damage and medical expenses.

Insurance policies typically cover medical expenses for drivers of other cars. However, depending on the auto insurance policy, coverage may change. In the end, the policyholder pays the deductible before the claim is reimbursed.

Additionally, a lot of insurance companies provide accident forgiveness. After an accident, this function can prevent rates from increasing. Although it is frequently an add-on, some businesses include it in the policy. If the driver of the car can avoid accidents for an extended period of time, the rates might not increase substantially or at all.

Whoever was driving the car at the time of the accident may result in decreased coverage, depending on the policy and the area. Therefore, if loaning out the vehicle is necessary, it’s crucial to identify the correct coverage options.

Contact a Missouri Car Accident Lawyer After Your Accident at Goldblatt + Singer

Many people who are involved in auto accidents don’t require legal counsel. However, a car accident lawyer can be quite beneficial if the matter is severe or complicated. They will review the case and help you determine your legal options for compensation. Then, they can manage anything from there, including the paperwork, compiling evidence, handling and negotiating with the insurance companies, and more. If you or a loved one have been involved in a car accident in Missouri, don’t hesitate to contact Goldblatt + Singer, the St. Louis Injury Law Firm, today. Call (314) 888-1000 or contact us online to receive your free, no-obligation consultation.

Free Consulation
  • This field is for validation purposes and should be left unchanged.
  • This field is for validation purposes and should be left unchanged.

Recent Articles