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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?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.”
View full answer
- Gregory R.
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