When Another Driver Crashes Your Car

If another driver crashes your car, in certain circumstances insurance follows the car or the driver. If you need to know what happens if someone else is driving your car and gets in an accident, you've come to the right place. It depends on whether the additional driver who crashed your car was at fault and if that driver had your permission. If your son was driving your car and had an accident, most likely he had your permission. Even if your son is uninsured and driving an insured car, the accident will be covered by your insurance if he was at fault and by the other driver's insurance if the other driver was at fault. If your car is used without your permission, your liability insurance would only apply if you were found negligent in allowing your car to be taken — like leaving the doors unlocked or the keys in the car. If your car is stolen, comprehensive auto insurance coverage would pay for damage to your car. Read on to learn more about what happens if another driver crashes your car.

UPDATED: Jul 19, 2021Fact Checked

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jul 19, 2021

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jul 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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