What Happens If a Friend Wrecks My Car

If a friend wrecked your car, your auto insurance typically provides primary coverage since insurance follows the vehicle, not the driver. Your collision coverage pays for your vehicle repairs minus your deductible, regardless of who was driving with your permission. Your liability coverage protects your friend if they cause injuries or property damage to others, up to your policy limits. However, this claim will appear on your insurance record, potentially increasing your premiums at renewal despite you not driving. 

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If damages exceed your coverage limits, your friend’s insurance may provide secondary coverage, though this varies by policy. Your friend is legally responsible for your deductible and any amounts exceeding your coverage, though collecting these amounts may prove difficult without legal action. If your friend drove without your permission, your insurance may deny coverage entirely, leaving them solely responsible for all damages. Some policies exclude certain drivers or require listed household members, potentially affecting coverage. Your insurance rates will likely increase after a claim, regardless of who drove. Before lending your vehicle, consider the financial implications of potential accidents. Require friends to provide their insurance information before borrowing your car. If your friend was negligent or reckless, you may need to pursue them personally for damages. Always report accidents promptly to your insurer, explaining the circumstances truthfully to avoid coverage denial for misrepresentation.

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