Does my liability insurance cover my friends car which i was driving and caused an accident?

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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: Mar 7, 2015

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Insurance Question from Houston, TX

Asked on 03/07/2015

Does my liability insurance cover my friends car which i was driving and caused an accident? I borrowed my friends car and was found at fualt in an auto accident. Her liability insurance is covering the persons car which I hit. When i had the accident in her car it is not drivable and she only has liability. Will my insurance company cover her car since I was driving it?

Answer given on March 11, 2015

In auto insurance the insurance follows the car. This means if there is an accident and you are driving another person’s car, then their insurance will pay for the damages and injuries to the other party involved, if there is another vehicle involved in the accident. If the owner of the car does not have physical damage coverage on their car, then there is no coverage for the damages to that car.The other driver can sue you for the damages to their car. You can then contactyour insurance company to see if they will pay for the damages. Most likely they will not pay, but some policies do coverage for damage to property of others, which could result in you being covered for the car.If your company does not pay, you may want to try to set up a payment plan withyour friend to pay them back for the car.

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