If someone else is driving my car...?

Question

I let my friend drive my car last night and I was thinking of this:

If he got into an accident with someone else and it was the others persons fault, would that effect my insurrance or anything? Like would my insurrance go up or anything, even though it wouldn't have been his fault but he'd have been driving my car.

And obviously if it were his fault, then I'd have to pay right?

Answer 1

If anything happens to you car regardless of driver, or fault it effects you insurance.  I've seen people get hit in a parking lot while they were shopping and their rate went up.

Answer 2

No matter what, you should not let anybody drive your car in your absence. Insurance does not see who is driving the car. It sees who is the owner of the car. And owner is always liable for anything happens whether the owner is a driver or passenger or lending the car to someone else. If the driver is not at fault, your insurance should not effect. Again, that depends on your insurance coverage and your agreement. However, if the driver is at fault, then you are fully liable. Yes, your premium will go up and you will end up paying full penalty unless your friend takes the responsibility to pay on your behalf and not s***w you up. If the license holder's insurance does not cover all, then question is whether your insurance will cover up the rest when they would find out that you lent your car to someone else?

Answer 3

Well.. read your policy.. thoroughly... and then read it again. depends on the policy.. some policies... its just the owner of the car.. some just the household members.. and some.. the owner of the car.. and anyone who doesnt live at their address is covered while they drive it... and some policies.. just cover the person who's name is on it.. not particularly the car they are driving. but it follows them around to whatever car they drive.

And yes. if your car is hit.. rear ended.. sideswiped.. hit while its parked. hit in a parking lot.. hit involved in an accident.. if a tree falls on it... whether you are in it or not.. your rate most likely will go up.. some companies have accident forgiveness... some companies will even give you a discount on your insurance (most) every 6 months you dont have an accident.. oh.. and any kind of moving violation will make your insurance rates go up...     2 door cars cost more to insure than 4 door cars... non married people cost more to insure than married people... red cars are more expensive to insure.

under 18 is more expensive to insure.. 18-21.. 21-25... are brackets.. when I hit 26 my insurance premium cut in half. when I hit 30... it dropped some more. if your over 60 your insurance goes up.  if you live in certain states.. neighboor hoods.. have certain types of jobs... use the highways... your insurance will go up.. My buddy moved from ohio to michigain.. and his insurance.. doubled. just by moving. doubled. they DO charge people with low credit/bad credit more than people with good credit.. its all about the demographic category you fit into.. they even charge people of certain races/s*x differently than others.. and its not illegal or discrimination... because they have the statistical facts on what factors people who have accidents and tickets share.

demographics.  and they can raise your rates if they know you lend your car out often too.

the only thing that is illegal to raise your rates.. is .. some companies have been known.. to put stuff on your credit report (falsely) then raise your rates based on your . lowered credit score.

Answer 4

You gotta pay more.....

Answer 5

No matter who's at fault your insurance company cannot raise your rates because of an accident.

Answer 6

If the car is registered in your name and the car is in an accident, regardless of who is driving, your insurance goes up. Obviously, if the accident wasn't your car's (drivers) fault it wouldn't affect your insurance, but otherwise, yes.

Answer 7

It honestly depends on your insurance policy.  With some policies only the policy holder is covered while driving and in that case even if the accident was not his fault your insurance would skyrocket and you might even have to pay some out of pocket $$

Answer 8

Yes, your insurance MAY (not will) go up.  Your insurance should cover anyone who drives your car, has your permission and has a valid drivers license, no matter whose fault it may be.  The only thing you may have to pay is any deductible(s) that you may have.