What if I Cause an Accident in Someone Else’s Car?

Car Insurance

Car Insurance is mandatory, and you should choose it wisely. It protects you against financial loss in the case of an accident or theft. You can compare car insurance plans online and buy without any hassle.

You should always go through the features properly to be aware of the claim that you will get in different situations. Have you ever thought about the policy rules in case of an accident while someone else is driving your car or you were driving someone else’s car?

Well, many factors change the whole scenario if you get into an accident when you are driving someone else’s car rather than yours. This situation arises if you borrow someone else’s car for driving. Let us discuss how the car insurance policy works in such a case and the factors that determine the claim.

Whose car insurance policy will provide coverage – the car owner or the driver?

When you meet with an accident in someone else’s car, the first question is whose car insurance will pay for the damages- yours or the car owner. In a typical situation, the car insurance policy of the owner of the car pays for the damage. The car insurance always covers the vehicle.

Who is covered under a car Insurance?

Generally, the policyholder and his family members are covered while driving the insured vehicle. Any other person who is driving the car with the permission of the owner is also covered under this policy even if he is not a family member.

Some Car insurance policies contain specific exclusions as regarding who may or may not drive the insured vehicle. The policy does not cover such a person who is named as an ‘excluded driver.’ For example, some plans have an exclusion for drivers under the age of 18, even if he is your family member or have your permission to use the vehicle.

If you get into an accident while driving someone else’s car and you are driving the vehicle without the owner’s permission, or you are an ‘excluded driver,’ then the insurance company of the car owner will not pay for the damages, and you will be responsible for all the losses.

Terms and conditions of car insurance affecting claim

  1. No-Fault Clause: No-fault insurance claim means that the insurance company of the car owner will provide for damages irrespective of who is at fault. In your case, the insurance company of the car owner will cover the losses regardless of the fact that you were driving it.
  2. Fault Clause: Fault Insurance Claim states that the person driving the vehicle will pay for the damages arising out of an accident. So if you are driving someone else’s car and you are covered under the owner’s policy, the claim will be paid. But if you are an excluded driver, then you will have to pay for the damages.

Things to consider before driving someone else’s car

Apart from the insurance claim considerations, there are factors that you should consider before driving someone else’s car.

  1. Firstly, you should not drive a vehicle without the owner’s permission. It’s because if you do so and get into an accident, the car insurance company will not pay for any damages and you have to pay for it.
  2. Secondly, sometimes even the permission of the owner of the vehicle may not save you. You might have to pay out of your pocket if the claim exceeds the coverage provided by the car insurance policy.

The Bottom Line

Hence, you should avoid driving someone else’s car with or without permission except that the car insurance policy covers you.

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