The short answer is
yes
, probably. Since your car insurance works much the same way when you lend it to someone and when you're driving it yourself, your premiums will go up if someone else causes an accident in your vehicle, just like they would if you caused an accident.
What happens if a friend crashed my car?
Auto insurance usually follows the car
, not the driver. … Your insurance generally pays for the friend's crash, as long as your friend is a licensed driver and doesn't regularly borrow your car. (if they're a regular driver of your car they should be listed on your policy anyway.)
What happens if someone who isn't on your insurance crashes your car?
If a friend with no insurance takes your car without permission and crashes it,
you're liable for the damage they cause
. … And in situations where you let your uninsured friend use your car, your insurance needs to cover any damage they cause.
Are you liable if someone else wrecks your car?
Before letting a friend borrow your car, you should know if they have insurance coverage. … If it's a stranger,
then you will not be held liable for the other person's injuries if there are any
, but your collision coverage will be used to pay for your car's damages.
Does your insurance go up if its someone elses fault?
When you are the at-fault driver in an accident, Car Insurance Comparison reports that you can
expect about a 49 percent premium increase
. In this situation, you may be able to save by shopping around for a policy with a different insurer. Most claims remain on your driving record for about three to five years.
Can someone not on your insurance drive your car?
Usually, yes
— your car insurance coverage should extend to anyone else driving your car. … This means even if your friend, sister or cousin have the best coverage possible, it would usually be your auto insurance that'd be covering the damages if they were at-fault in an accident while driving your vehicle.
Should I let my friend borrow my car?
People who often borrow your car might not be covered — because a regular driver of your car
should be listed on your policy
. … To avoid this, consider listing on your policy any non-household members who occasionally borrow your car. If friends don't have their own insurance, they could buy non-owner auto insurance.
Under California law,
an insurer cannot increase your premiums when you
aren't at fault.
Why has my insurance gone up after a non fault accident?
Your premiums could go up after you've declared a non-fault claim because your insurance provider may decide that the reason for the claim – even though it wasn't your fault –
is more likely to happen again
. For example, if your car was struck while parked, your insurer might think your chosen spot is more risky.
How many accidents can you have before your insurance drops you?
There is no limit on how many claims you can file. However, most insurance companies will drop you as a client after
three claims over a three-year period
, no matter what type of claim.
What happens when you let someone else drive your car?
If you let someone else drive your car and they get in an accident,
your insurance company would likely be responsible for paying the claim
, depending on the coverages in your policy. The claim would go on your insurance record and could affect your car insurance rates in the future.
Should you contact your insurance company if you are not at fault?
Yes
. Regardless of fault, it is important to call your insurance company and report any accident that involved injuries or property damage. A common myth is that you do not need to contact your insurance company if you were not at fault. … In order to use any of these, you are required to notify your insurance company.
Do I have to pay a deductible if Im not at fault?
When you're not at fault for a collision, your insurance company typically covers damages to your vehicle under the Direct Compensation Property Damage (DCPD) section of your policy.
If your insurance policy has a $0 deductible for Direct Compensation Property Damage claims, you won't need to pay a deductible
.
What happens after a car accident not your fault?
You should absolutely call the police, whether the accident was a minor fender bender or a significant crash. If the accident wasn't your fault,
having an official police report
will help you hold the other driver accountable for damages and repair costs.
Do you call your insurance if someone hits you?
If you're involved in an accident in which you believe that you are not at fault, or if you've been involved in a hit and run,
you will always call your insurance provider first
. … If you have collision insurance, filing a claim with your insurer gets you on the way to getting your vehicle repaired or replaced.
Do I need to tell my insurance company if someone hits me?
Yes,
you need to declare all accidents that you're involved in
, regardless of who, or what, was at fault. Pretty much all insurance providers will have a clause in their policy requiring you to declare any incidences you're involved in while driving in the past 5 years.
