Do driver who's at fault insurance will pay for damages even if I'm not on the insurance with the car I'm driving

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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: Aug 19, 2019

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Insurance Question from North Shore, LA

Asked on 08/19/2019

Do driver who's at fault insurance will pay for damages even if I'm not on the insurance with the car I'm driving Car accident

Answer given on August 20, 2019

In auto insurance, the insurance follows the car. If you were driving someone else’s car and caused an accident, the insurance for the car should pay for damages and injuries to the other driver.  However, there are some insurance companies which now exclude drivers if they are not listed on the insurance policy. Make sure that is not the case for this accident.  If it is, you may have to file a claim under your automobile insurance for the damages. The owner of the car will not usually see an increase in their rates since they were not driving. However, if you caused the accident then your insurance rates can increase on your automobile insurance policy

It is always best to be sure that you are insured when using someone else’s car. Also, it is not recommended that you lend your car to anyone, as they could cause a major accident and result in major damages and/or injuries to another person.  

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