What If Another Driver Has an Accident in Your Car?

Car Accident Insurance In San Diego

If you let someone else drive your car, it’s important to understand who is responsible for the cost of repairs if a collision occurs. In most cases, car insurance in San Diego follows the vehicle, not the driver. However, there are a few exceptions. The insurance experts at American Tri-Star discuss the liability concerns of another driver crashing your vehicle.

Who Is Covered Under Your Policy?

In general, other people who live in your house are covered under your auto insurance policy, and friends and family members who don’t live with you are covered if you lend them your car as a favor on an occasional basis. These types of situations fall under permissive use. You can also designate a person in your home as an excluded driver.

What Happens When a Crash Occurs?

If a friend or family member crashes your car, you’ll need to file a claim with your cheap San Diego car insurance just as you would if you were the one driving the car when an accident occurred. If damages from the accident exceed your coverage, your friend’s insurance would likely step in as secondary coverage for the balance of the repair and medical costs.

Exceptions to the Rule

If you live with a person who has a poor driving record, you may choose to exclude him or her from your insurance coverage to avoid paying higher premiums. If the person you exclude drives your car and gets into an accident, your insurance policy will not cover the damages. To avoid liability when someone else takes your car without permission, you’ll need to prove he or she did not have permission. If you are able to provide proof, the excluded driver will be liable for damages unless he or she is not insured. Stolen vehicles are yet another exception. In the event your car is stolen and then crashed by the thief, your policy will cover damages to your car, and you won’t be liable for other damages that occurred.

To learn more about liability coverage in auto insurance policies, get in touch with American Tri-Star. We can help you find a policy that best suits your individual needs. For free San Diego auto insurance quotes, give us a call at 619-272-2100 and one of our friendly and knowledgeable agents would be happy to assist you.