Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Oct 19, 2010

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Houston, TX

Asked on 10/19/2010

A friend borrowed my car and was pulled over and arrested for DWI. What happens to my insurance? While he has not gone to court yet, the police officer that called me to inform me of my car being towed told me that my friend barely failed the test. That friend, however, is uninsured. My family has been with the same insurance company for over 15 years, and the agent has informed us that when the paperwork goes to them, they may have to cancel our coverage. Is this likely?

Answer given on October 21, 2010

In insurance, the insurance follows the car.  However, since there was no accident and/or property damage or bodily injury, your insurance would not be involved.  I am presuming the friend is not listed on the policy as a driver, so your insurance should not be affected in anyway.

You need to discuss this with your agent.  I do know that Texas has different laws regarding insurance, but I don’t see how your insurance could be involved in any way, since there is no claim involved with the incident.  Your agent may have thought there was a claim involved with the situation.

In the case that your friend is listed on the policy as a driver, I do recommend that you remove him, just to avoid any situations in the event he is convicted and his license is suspended or cancelled.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.