What Happens if Someone is Driving My Car and Gets Into a Car Accident?

Imagine you’re driving home from an event, exhausted from a night of only four hours of sleep. Since you’re not in the best condition to drive, you ask someone else to take the wheel of your brand new car. 

Unfortunately, this person rear ends another vehicle, and you get into a costly accident.

So what do you do in this situation where you get into a car accident, but it technically isn’t your fault? 

Let’s explore the steps you should take and the potential outcomes in such cases. 

Now you have to determine who was truly liable, look at your car insurance policies, and learn what happens when someone crashes your vehicle, which will be discussed in this article.

How to Determine Liability In a Car Accident

According to Cornell Law, liability refers to when a party, or someone is held legally responsible for something, dependent on the party’s actions. 

When determining liability in a car accident, it is important to understand who was at fault for the car accident and the terms of your insurance policy. 

Having these options in your car insurance plan are all necessary for ensuring the best possible outcome if you get into a car accident. 

The settlement that you obtain from an insurance company will also depend on other factors such as your policy, the year of your car, and how much damage is done to your vehicle. For more information on car settlements, feel free to check out this page. 

What happens when someone else is responsible for crashing your car?

There’s a saying that goes, “auto insurance follows the car, not the driver”. 

So if your friend crashes your car, if they have or don’t have insurance, you and your insurance is responsible for anything that may happen. Therefore, these could lead to higher insurance rates, which is certainly unpleasant. 

Generally, your friend’s insurance won’t cover the damages from the car accident, unless the damages from the car accident exceed your policy limits. In most cases, the driver’s insurance won’t need to get involved, unless for a catastrophic accident. 

How A Car Accident Attorney Can Help

When going through the unexpected event of someone causing damage to your vehicle, it can be difficult to determine the best course of action. Navigate here to fight the insurance companies which can provide so many benefits.


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