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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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: 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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