What happens if I get in an accident in someone else's car?

I drive my friend's car to get to work. While the car is insured, I'm not on the policy. What happens if I get into an accident and I'm not on the policy?

Answer provided by
Eric Schad
Answered on Apr 13, 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.
“As long as you have your friend’s permission to drive the vehicle, their car insurance will likely cover you in the event of an accident, even if you’re not on the policy.
If you have your own insurance, it can cover any costs from the accident that exceed your friend’s coverage. But your friend’s premiums can still go up if you get into an accident because the claim is on their insurance policy.”

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