What can happen if someone drives my car without a license or their own insurance in Washington?

I am licensed and have car insurance on my vehicle. What would happen if I let my unlicensed and uninsured friend drive my car? I'd be in the car with them.

Answer
“In most cases, car insurance follows the car and not the person. If your friend drives your vehicle, they should be covered by your insurance. However, there are a few situations where this could get complicated.
If your friend is driving your vehicle without a license, this is illegal. Should you get into an accident where they’re at fault, your insurance company could deny the claim.
And even if your insurance allows the claim, your friend would most likely get a ticket or face legal consequences for driving without a license.
If you and your friend get into a not-at-fault accident, the other driver’s insurance should cover your damages. However, your friend could still face legal consequences or a ticket for driving without a license. Although it’s unlikely, the other insurance company could deny a claim based on the fact that your friend is unlicensed. “
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Emily Maracle
Answered on May 20, 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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