If someone wrecks your car and they aren’t on your insurance, coverage depends on whether you gave permission and your policy’s terms. Most insurance policies provide coverage when you give explicit permission to unlicensed drivers, as insurance typically follows the vehicle, not the driver. Your liability coverage protects the driver if they injure others or damage property, while your collision coverage repairs your vehicle minus your deductible. However, this claim appears on your insurance record, likely increasing your premiums despite not driving. The at-fault driver remains legally responsible for your deductible and any damages exceeding your coverage limits, though collecting may require legal action.Â
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Some policies exclude certain drivers, particularly household members not listed on the policy, potentially denying coverage even with permission. If the driver took your vehicle without permission, your insurance may deny coverage entirely, leaving the unauthorized driver personally liable for all damages and potentially facing criminal theft charges. Their personal insurance may provide secondary coverage, though many policies exclude unauthorized use. Your insurer investigates to determine whether permission existed. Consider these implications before lending your vehicle. If your premiums increase substantially or your policy is cancelled due to someone else’s accident, you may have civil claims against the driver for resulting damages. Report accidents immediately, providing truthful information about the circumstances to your insurer. Consider written permission agreements for frequent borrowers, clarifying expectations and liabilities.
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Last updated Thursday, January 22nd, 2026
