Will my (the driver’s) auto insurance policy cover the damages to the car I was driving (my aunt’s) if I got into an accident in her car?
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UPDATED: Aug 2, 2016
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Insurance Question from Milan, TN
Asked on 08/02/2016
Will my (the driver’s) auto insurance policy cover the damages to the car I was driving (my aunt’s) if I got into an accident in her car? I got into an accident in my aunt's car. She just has liability. I, however, have coverage with deductible. Does my insurance cover her car because I was driving it when I got into the accident?
Answer given on August 29, 2016
In auto insurance, if there is an accident, the insurance follows the car. You do not indicate if there was another vehicle involved, but if so, your aunt’s insurance will pay for the damages to that car.Since she did not have collision coverage on her car, there would be no insurance coverage from her policy for the damages to her car.She could try to file a claim against you for the damages, as damage to property of others. Some insurance companies will accept liability for this type of damage and will pay for the repairs. Others will not, since it was her car that caused the accident, even though she was not the driver. Whether or not your insurance company pays for your aunt’s car, you could be charged with an at fault accident which will increase your premium. Your aunt’s insurance will not be affected since you are not a driver under her policy and she was not driving when the accident occurred.
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