if someone was driving my car & got in accident. would insurance company of person driving my car cover the damages
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UPDATED: Oct 4, 2019
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Insurance Question from Gillett, WI
Asked on 10/04/2019
if someone was driving my car & got in accident. would insurance company of person driving my car cover the damages my car was totaled with the person driving my car did not have permission
Answer given on November 15, 2019
In automobile insurance, the insurance follows the car, so any damage caused by your car would be handled by your insurance company. However, if the car was stolen, you would not have any liability for damages to another car, unless a court of law would find you responsible for the accident.
It seems with your question about the insurance for the other person’s insurance, that you may know the driver in question. If you are friends or acquantences, this could result in a more complicated settlement of the accident. You should talk to the adjuster from your insurance company, give them all of the details of the accident, and let them sort this out. Implied consent could be a factor, such as if you have allowed this person to use your car in the past but they failed to ask for permission this time.
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