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: Feb 14, 2024Fact Checked

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Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...

Licensed Insurance Agent

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

UPDATED: Feb 14, 2024

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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.

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: Feb 14, 2024

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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