If a person who is not listed on my insurance policy drives my car frequently and is involved in a fatality accident, can I be held responsible

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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: May 30, 2013

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Insurance Question from Bryan, TX

Asked on 05/30/2013

If a person who is not listed on my insurance policy drives my car frequently and is involved in a fatality accident, can I be held responsible NULL

Answer given on June 25, 2013

In auto insurance, the insurance follows the car. So, if someone is driving your car and causes an accident, then your insurance will respond for damages and injuries caused in the accident. Since the driver is not on your policy, your rates will not be affected, but the record for the driver will indicate an at fault accident.If the person is a frequent driver of your car, the insurance company may ask that they be added to your insurance policy, once they become aware of that driver. If they have tickets or accidents, then the insurance rates will be affected. If you refuse to add the driver, then the insurance company may exclude them as a driver or non renew your insurance policy.Unless the other person is a family member, you should think twice about allowing them to continually use your car, since it is your liability that is exposed if they cause an accident.If the other driver has their own insurance, then your insurance company may not press to add them to your policy, but they still could.

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