Am I liable for damages after I let my brother drive my car?

I recently let my brother drive my car. About five seconds after getting behind the wheel, he backed into my mom's friend's car. I have state-minimum coverage of up to $5,000 for property damage. Am I liable for the damages or does that fall on my brother?

Answer
“The one thing that you should always remember is that insurance typically follows the vehicle, not the driver.
In this case, you’re liable for the damage even though your brother was behind the wheel. However, your $5,000 property damage liability should cover the damage from a minor fender bender.
That said, your rates will go up if you file a claim. To save money, you might offer to pay cash for the repairs. Have your mom’s friend get some estimates before you decide what to do.”
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Eric Schad
Answered on May 04, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
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