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...

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UPDATED: May 19, 2013

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Insurance Question from Bronson, KS

Asked on 05/19/2013

Complicated My question is, The other day a friend of a friend jumped in my cars drivers seat (keys still in the ignition) and told me and my friend if we didn't get in, he was leaving us. so we did, he was driving irresponsibly and on the way home totaled my car, put himself and his girlfriend in the ER.Me an my friend walked away, he and his girlfriend weren't on my policy. So, will my insurance go up because of what this guy did? I only have basic collision and already took care of my cars tow bill and everything, the only thing left is the their hospital bills. is my insurance company even liable?

Answer given on June 18, 2013

In auto insurance the insurance protection follows the car. So in this case your insurance will pay for injuries to your friend and girlfriend. Your insurance company needs to handle this claim as they may feel there is no liability coverage for the driver, but the girlfriend will most likely be covered for her injuries, up to the limits of your policy.Since the friend was not a listed driver on your policy, and does not live with you, your insurance rates will not be affected. However, your insurance company may ask to exclude your friend from the policy for the future. They could also non-renew your insurance, but usually that will not happen if you have otherwise had no claims.If the girlfriend has her own car insurance, she could file a claim under her insurance for her injuries if she has medical payments coverage and/or uninsured/underinsured motorist coverage. Your friend might also be able to collect under his insurance if he has the coverages listed above.


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