If my friend gets into an accident with my car, whose insurance will cover the damages?

When a car is borrowed and the driver gets into an accident, whose insurance kicks in to cover damages? I'm kind of regretting loaning my car to my friend now.

Answer
Unfortunately, since you let your friend borrow your vehicle and he got into an accident, your insurance policy will cover the damages.
Auto insurance typically follows the vehicle, not the driver, so the policy covering the vehicle will be the one to cover the expenses from an accident.
Your insurance premium is likely to go up, but if the damage is minor then your policy should be enough to cover it. If your friend frequently has to borrow or rent a car, he should consider getting non-owner coverage to prevent something like this from happening again.
This may be a good time for you to shop for a new policy, as well. The free Jerry app can help you save money by comparing quotes from 50 top providers, even after an accident.
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Alexah Grinnell
Answered on Aug 09, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
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