If a driver with their own insurance drives your car & has an accident whose insurance is charged?

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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: Apr 13, 2019

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Insurance Question from Hamburg, NY

Asked on 04/13/2019

If a driver with their own insurance drives your car & has an accident whose insurance is charged? driver covered under their own policy

Answer given on April 14, 2019

In automobile insurance, the insurance follows the car. So if someone drives your car and causes an accident, then your insurance company will have to handle the accident.

If the driver is not a resident of your household, your automobile insurance rates should not be affected. If there is a ticket, or the driver is held responsible, his insurance rates will probably go up. However, there are some insurance companies that will increase your rates slightly if you have a claim of any type.  You should review your insurance policy and/or talk to your agent to be sure you understand how things will be handled.

If your car is damaged, your collision deductible will apply before your insurance company will pay to fix your car.  If there is major damage your car could be considered a total loss.  If the other driver is injured, then your liability limits are at risk.

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