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: Apr 18, 2023Fact Checked

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Chris Tepedino

Insurance Feature Writer

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. ...

Insurance Feature Writer

Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...

Licensed Insurance Agent

UPDATED: Apr 18, 2023

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UPDATED: Apr 18, 2023

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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