My friend was driving my car got in accident but not on my policy .

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

UPDATED: Nov 28, 2017

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Allentown, PA

Asked on 11/28/2017

My friend was driving my car got in accident but not on my policy . Will insurance pay me claim?

Answer given on December 02, 2017

If your friend is using your car with your permission and they cause an accident, your insurance company should pay for any injuries or damages to the other party.  The only time they would not would be if it is a “named driver” policy where all drivers of the car must be listed on the policy.  You can review your insurance policy to see if there is any restriction, or call your agent or company to determine coverage. 

If there is damage to your car, your insurance will only pay if there is collision coverage on your car.  The deductible will apply to any damages.  If you do not have collision coverage, then your insurance will not pay for damages to  your car.  Your rates should not be affected since the driver was not listed on your policy, however, their insurance could increase since they would have an at fault accident on their record.  Some insurance companies do increase your rates slightly if there is a claim, even if you are not the at fault driver.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption