My Friend was Driving my Car and got into a Car Accident, whose Insurance Covers the Claim?
Answer:
Your insurance should cover the claim up to your policy limits.


Auto insurance companies generally define an “insured person” as you (the named insured), a relative, or any other person who is using your car with your express or implied permission.

While your policy may only list you as the named insured, the auto coverage usually covers the vehicle rather than the driver so long as the driver has your permission and has not been excluded from the policy. If you car is in an accident and your friend was driving with your permission, most insurance companies will cover the claim unless the policy specifically excluded your friend.

It gets a little tricky if your friend is a member of your household such as a roommate. Insurance companies usually require that household members be either included on the policy or excluded. Roommates may be considered members of the household that are subject to possible exclusion.

If your friend has their own insurance policy, it is secondary to yours. Once your policy limits have been reached, your friend’s insurance will kick in and pay additional claims for liability only.

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