What Happens if Someone Else Is Driving My Car and Gets in an Accident?

By Pyle Law, Reviewed by E. THomas Pyle May 10 2024 6:32 pm

What Happens if Someone Else Is Driving My Car and Gets in an Accident?

By Pyle Law, Reviewed by E. THomas Pyle May 10 2024 6:32 pm
What Happens if Someone Else Is Driving My Car and Gets in an Accident?

If someone causes an accident while driving your car, the responsibility depends on who caused the accident and the nature of your relationship with the driver. The responsibility is different for someone whose vehicle was stolen than someone who gave permission for the other person to drive the car.

The general rule is that the driver who caused the crash is liable for accident-related losses. For instance, if your friend gets involved in an accident caused by someone else, the other driver is liable for the losses. Consider speaking to a trusted Kansas car accident attorney for legal advice on navigating the aftermath of a crash.

Does Insurance Cover Friends Who Drive My Car?

While there may be exceptions, insurance coverage follows the car and not the driver. The rule allows another licensed driver to borrow your vehicle, known as ‘’permissive use,’’ which means you can give another driver not listed on the coverage to drive your car. 

Your insurer may pay for the physical damage and bodily injury up to coverage limits if your friend is involved in an auto accident. However, if they have insurance coverage, their insurer could also pay for the damages, depending on the type of insurance and coverage limits.

Determining Insurance Responsibilities

Liability in an auto accident is determined based on the facts and circumstances surrounding the incident. An insurer examines traffic laws, police reports, witness statements, and evidence at the accident scene.

If your friend was responsible for the accident, your insurance might cover accident-related losses to the extent of your coverage. If another liable driver is uninsured or underinsured, your insurer might cover the losses using underinsured or uninsured motorist coverage.

What if the Person Driving Your Car Has His or Her Own Insurance Policy?

If the person driving your car has auto insurance, their coverage may be a secondary insurance policy. However, in most cases, your insurance coverage is considered the primary insurance coverage.

What if Your Car Insurance Refuses to Pay for an Accident?

There are a few instances when your insurer may refuse to pay, including:

  • When someone takes your car without permission
  • The person driving is expressly excluded from driving the vehicle
  • The driver is under the influence of drugs or alcohol and lacks a valid license

Further, another at-fault driver’s insurance might refuse to cover damage to your vehicle. In this case, speaking to an experienced car accident attorney can help protect your rights. 

Get in Touch With an Experienced Kansas Car Accident Attorney to Discover Your Options

Car accident claims can quickly become complicated when multiple parties, drivers, and vehicle owners are involved. An experienced car accident attorney can prove the other party’s fault, holding them liable for their negligent actions and your losses when appropriate

The team at Pyle Law has more than 25 years of dedicated experience, giving us the experience to represent you. Contact us online or at (620) 241-9000 for a free consultation.

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Pyle Law was founded in 1999 with a commitment to fewer clients and better service. We believe that each and every client is important and everyone is entitled to justice and equal protection under our laws. We make every case a priority and are committed to keeping each client informed about the status of their case. We do not guarantee results, but we do guarantee effort.


This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by attorney E. Thomas Pyle who has more than 20 years of legal experience as a practicing personal injury trial attorney.