What would happen if my sister got into an at-fault accident with my car?

My sister lives in a different state and drives my car full-time. It's still registered to me and on my insurance. She is also insured on our dad's policy, but not with my car. I'm planning on transferring the title to her, but I'm wondering what would happen if she gets into an at-fault accident?

Apr 21, 2021
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Emily Maracle
Answered at Apr 21, 2021
“While car insurance does normally follow the car and not the driver, there are a few reasons why your insurance company wouldn’t provide coverage.
First off, since your sister drives your car, she needs to be a driver on your policy.
The other issue is that your car is insured in a different state, meaning your insurance company believes it is garaged at your address. Should anything happen to your vehicle where your sister lives, your insurance company will begin investigating to figure out why the car was not in your state.
The best thing you can do is add your sister as a driver on your policy. You can then also update the garaging address to reflect her location. While this could cause a change in your premium, it’s better to have coverage than not in case of an accident. “
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