Will my insurance rates go up if someone else gets into an at-fault accident while driving my car?

My friend hit another car when I let him borrow my SUV. I wasn't involved in this crash at all, so I'm hoping I won't be penalized.

Answer
Assuming that you gave your friend permission to drive your SUV, he’s covered by your car insurance. But this means that yes, the accident will definitely raise your rates.
You can expect to face higher prices for the next three to five years, depending on which insurer you have a policy with. If you want more affordable coverage, you’ll have to shop around.
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Carol Chung
Answered on Apr 12, 2021
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