Can my insurance be used?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 13, 2012

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Insurance Question from Liberty, MO

Asked on 06/13/2012

Can my insurance be used? I drove a friends car and wrecked it. It only has liability coverage. I have a collision as well as liability. Can my insurance be used to fix her car? This happened in my driveway. Nothing else and nobody else was hurt.

Answer given on June 15, 2012

In an auto accident, insurance follows the car no matter who is driving the car, presuming there was permission to drive it In this case, your friend’s insurance will be responsible for the accident. Since she did not have collision insurance, and there were no other parties involved, she will not have insurance coverage. Your policy is expected to pay for damages you cause in your car to others for their injuries or property damage. Your insurance company will not be willing to pay for the damages you caused to your friend’s car. You could repay your friend for the damages to her car, but it will be out of your pocket since your insurance company will not accept liability for the damages to your friend’s car, since collision coverage is intended for the car insured on your policy.

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