Accident while driving someone else's car?

Question

What if I hit someone else(their car) while driving my friends car? Does my insurance pay or the owner of the car's insurance?

Answer 1

Here in NC the owner of the car you borrowed would have to pay, IF you are covered under their policy.

Answer 2

Your insurance should pay.

If not, that sucks *** for your friend, who will now have higher insurance rates because of you.

Looks like you won't be borrowing his car again anytime soon

Answer 3

In NJ - your friend's insurance would be responsible for damages.

Also, in NJ, since you had your friends permission to drive her vehicle, her insurance would still cover the loss but her company will ask for proof of your own insurance to show that you have insurance of your own.  Basically, if you didn't have your own insurance policy then her company could add you to your friends policy as a driver.  

Have seen companies do it many times to people.  It's crazy.

Answer 4

It really depends on the state you live in, and the carrier your friend has. In my state, CO, the driver's insurance would pay first, then the car owner's policy if it was a standard carrier.

Answer 5

the owner of the car you were driving...their insurance is primary and will have to pay.  if the claim is large and damage is above their limits your policy can then kick in as secondary to help.  you will receive the ticket for the accident but their insurance is more than likely going to go up also  because their company paid the claim

Answer 6

The owners of the car should pay....unless they have it in his policy that he/she is the only one covered in the car. If thats the case he/she is just out of luck. Your insurance has nothing to do with it.

I live in Texas as well. And my wife had someone wreck here car when we were in college...so first hand knowledge.