My friend was driving my car got in accident but not on my policy .

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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: Nov 28, 2017

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Insurance Question from Allentown, PA

Asked on 11/28/2017

My friend was driving my car got in accident but not on my policy . Will insurance pay me claim?

Answer given on December 02, 2017

If your friend is using your car with your permission and they cause an accident, your insurance company should pay for any injuries or damages to the other party.  The only time they would not would be if it is a “named driver” policy where all drivers of the car must be listed on the policy.  You can review your insurance policy to see if there is any restriction, or call your agent or company to determine coverage. 

If there is damage to your car, your insurance will only pay if there is collision coverage on your car.  The deductible will apply to any damages.  If you do not have collision coverage, then your insurance will not pay for damages to  your car.  Your rates should not be affected since the driver was not listed on your policy, however, their insurance could increase since they would have an at fault accident on their record.  Some insurance companies do increase your rates slightly if there is a claim, even if you are not the at fault driver.


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