Is your car protected if someone who isn't on your insurance wrecks it?

My friend borrowed my car and got into an accident. I have full coverage on my policy. Will my insurance still cover the damage?

Answer
“Since you gave your friend permission to use your car, your car insurance should still cover the damage under a permissive use clause.
When someone has permission to borrow a vehicle, the vehicle’s coverage should still applies to that person, provided they drive the vehicle less than 12 times per year. The only time this doesn’t apply is if the person using the vehicle is specifically excluded or your policy has permissive use exclusions.
Depending on who was at fault in the accident, either your collision coverage or the other driver’s property damage coverage will pay for the damages to your vehicle.
If your friend was at fault, you’ll need to pay your collision deductible before your insurance will cover the cost of damages.”
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Emily Maracle
Answered on Jul 29, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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