Will full coverage insurance cover if someone else drove the car? In NC.

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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: May 20, 2013

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Insurance Question from Charlotte, NC

Asked on 05/20/2013

Will full coverage insurance cover if someone else drove the car? In NC. Me and my husband planned a trip to the zoo with some friends, since there was no space in his car for all of us we borrowed my mothers car and in return we let her borrow ours for a few hours. As she was reversing from her parking spot someone beside her was also reversing this person hit her in the front of the car and just sped off, she made a police report and everything, my question is will my husbands full coverage insurance cover that? It was not her fault and there are cameras who caught the hit. He has full coverage with GMAC insurance. She is not on the policy. Not live in household.

Answer given on June 18, 2013

For auto insurance the insurance follows the car. In this case where your mother was using your car, your insurance will pay for the damages, presuming you have collision coverage. There is a deductible that will be applied to the damages, but after that, the insurance will pay.Since your mother is not a resident of your household and is not on your policy, your rates will not be affected. However, it is possible that the accident will show up on your mother’s insurance and her rates could go up. She will need to discuss this with her insurance company.Report the claim to your insurance company and they will walk you through the process to get your car repaired. If the damages are below your deductible, then there will be no coverage for the accident.


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