If someone else gets in a car crash while driving my car, whose auto insurance covers the damages?

Your collision coverage will – in most cases – pay for the other driver’s action. If the damages exceed your policy limits, the other driver’s insurance will usually pay for the rest of the amount.

However, you’ll need to read your policy – or contact your insurer – to get a definitive answer, as auto insurance policies differ in this regard.

Of course, this assumes the individual who drove your car was found guilty of causing the car crash. If another party caused the auto accident, their insurance is responsible for paying the repair bills.

Car Insurance Policy Owners Beware

Because your insurance covers what happens with your car, you need to be careful about who you allow to drive it.

Even though you weren’t driving when the car accident occurred, your premiums may go up as a result of the car accident. That may seem unfair, but that’s the way it works.

Keep in mind some liability insurance policies will not pay for any damages done to your car if it’s driven by someone other than the policyholder. Or, it may place exclusions on who it protects. For instance, it may not cover drivers who are younger than 18. Contact your insurer for details about your policy limitations.

However, if someone drives your car without your permission, you won’t generally be responsible for the damages. And, in situations where a valet damages the car, the valet company should pick up the repair tab.

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