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Who Pays When Another Driver Is in a Crash With Your Car?

Car Accidents / December 9, 2023

If you have ever lent your car to a friend or family member who was not insured to drive that vehicle, you may wonder who will be liable to pay any damages if a crash occurs. When it comes to a car accident case in which another driver was behind the wheel when your vehicle was involved in a car crash, your insurance will likely cover the costs of any damages that occurred. 

At Hollis Law Firm, we can help you build an understanding of who holds liability in a case where your car was driven by another party and a crash occurred. As you pursue justice for your injuries and losses, we are committed to helping our clients understand the intricacies of the personal injury claims process by guiding them through each step. 

Will Your Insurance Cover Damages After Another Driver Was in a Crash While Driving Your Car?

When an accident happens but you are not the one driving your car, you may wonder who will have to pay for the losses associated with the crash. In most cases, car insurance follows the car, not the driver. This means that the driver who borrowed your car that was involved in the accident also technically borrowed your insurance. This is not ideal as it often means that even though you will not technically pay out-of-pocket for the losses caused by the crash, your insurance premium may go up as a result of the claim. 

The types of car insurance that follow the car and not the driver include the following:

  • Collision insurance
  • Comprehensive insurance
  • Property damage liability

Bodily injury liability insurance will pay for any injuries to the other driver, and property damage liability insurance will pay for damage to the other driver’s car. If the driver of your car caused damage that exceeds your coverage limits, their liability policy can act as secondary coverage. However, their coverage will only kick in after your policy’s limit has been reached. 

Types of Insurance and Their Applicability 

You will not need to use your personal injury protection coverage after someone caused an accident while driving your car because personal injury protection coverage, or PIP, follows the driver. You will, however, use your own collision and comprehensive car insurance to pay for any damage to your car. These types of car insurance are optional. However, it is highly recommended that drivers carry this coverage because, if this scenario occurs, it will pay for your car to be fixed no matter who was driving. If your car was involved in a car crash while being driven by another party, a trusted car accident lawyer can help you pursue the compensation you may be owed and work out who should be held liable for the losses caused by the accident.

Get Help Understanding Who Pays After Another Driver Causes a Crash in Your Car

At Hollis Law Firm, our trusted team believes in holding negligent parties responsible for their actions and helping our clients understand who will pay after another driver causes a car accident while behind the wheel of their vehicle. We can help you understand what coverage will pay for what damages and whether you can collect any compensation. 

At Hollis Law Firm, we guide our clients through the personal injury process so they feel confident in their legal representation as they pursue the justice they are owed. Contact our trusted personal injury law firm today at (800) 701-3672 or complete our contact form.