Who is responsible for an accident if you borrow a car?

If I borrow my mom's car and get into an accident, who is responsible for the damage? Would it be her since she owns the car or me because I'm driving?

Answer provided by
Emily Maracle
Answered on Jul 09, 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.
“If you have permission to use someone’s vehicle, you are typically covered under their car insurance. Car insurance is normally attached to a vehicle and not a driver.
If you are borrowing your mother’s car, her insurance should cover any damages you cause. However, you’ll want to make sure you’re not excluded from coverage if you’re living in the same household.
Additionally, if you’re at fault, you’d still be liable and responsible for any damage you caused in a car accident. Should the other driver file a lawsuit, they would file it against you as you were driving.
If you borrow her vehicle often, it’s best to see if she can add you as an additional driver. This would ensure you’re covered by her insurance in any situation.”

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