Even if someone else is driving your vehicle, you are still responsible for what happens while they are driving. If someone else, whom you gave permission to drive your vehicle, gets into an accident in it, there are a few important insurance and legal points you need to know.
Your Insurance Coverage Follows Your Vehicle
Your insurance coverage is designed to follow your vehicle. That means if you let a friend or family member borrow your vehicle, your vehicle will still be covered under your insurance policy. All of the coverage that is in effect when you are driving your vehicle is in effect when someone else drives it.
However, you should examine your insurance policy closely. Some policies are written to exclude damages caused by a driver who is not on your policy. That is why it pays to examine your policy closely and to ask your independent insurance agent exactly how your policy works.
You’re Responsible for Damage Caused by Your Vehicle
From a legal standpoint, you are responsible for any damage that your vehicle causes. That means if someone else is driving your vehicle and gets into an accident, you or your insurance provider is responsible for paying for the damages.
If the person driving your vehicle was at fault in the accident and injures another motorist, you are responsible for their injuries. Your insurance provider will have to pay for the damage to their vehicle and for their medical bills. And the next time you renew your policy, the premium will most likely go up.
If the injured party decides to sue, they can also file a personal injury suit against you since you are the owner of the vehicle. Even if you were not present, in the eyes of the law, you are responsible for any damage or injuries your vehicle causes.
You can let someone else drive your vehicle. However, if they get in an accident, it is ultimately you and your insurance that is on the line. Keep that in mind when deciding who can and who cannot drive your car.
Protect your vehicle. Call GetAPolicy.com at (903) 268-1026 for more information on Grand Prairie auto insurance.