Woman stepping out of car after colliding with another vehicle, which can be seen in the background.

Will My Auto Insurance Cover an Accident if Another Person is Driving My Car?



Depending on the coverages in your policy, your insurance policy may be responsible for paying a claim if you let someone else drive your car. In most states, the auto insurance policy covering the vehicle is considered the primary insurance, which means that the auto insurance company for the vehicle must pay for damages caused by an accident. The claim would go on your insurance record and could affect your car insurance in the future.

It’s good to understand what exceptions apply to your auto policy. For example, some policies won’t cover relatives living in your home, unless they’re specifically named on your policy. Policies and laws differ by state, and you should become familiar with these differences before allowing another person to drive your car.

If you have any questions or concerns regarding the coverage of your vehicle(s), please contact your Independent Insurance Agent.