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What happens if my boyfriend used my car and wrecked it?
"My boyfriend borrowed my car and got into an accident. I have full coverage, but his license is suspended. Will my insurance cover the damage?"
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“As long as your boyfriend isn’t excluded on your policy, your
car insurance
company should cover the damages. Since you gave your boyfriend permission to drive your vehicle, he would be covered under your insurance. Insurance typically follows the vehicle and not the driver.
Driving with a suspended license shouldn’t impact your claim approval, but he may face fines or further consequences for breaking the law.
If your insurance does deny the claim, you would be personally responsible for the damages as it was your vehicle. The same would be true if your insurance covers the damage, but your policy limits were exceeded. Any remaining damage would be your responsibility.
You’ll need to stay in contact with your insurance company as a claim process isn’t easy. It may take a significant amount of time to resolve the claim and payout for the damage caused.”
View full answer
- Gregory R.
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