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Gill Insurance Advisors Blog

If my friend drives my car and gets in an accident, will me auto insurance cover the damages?

When we talk with our Plainfield, IN and other Indiana area clients about auto insurance, we mostly talk about the protection and benefits it provides to the clients themselves in the event they are in an accident. However, something that does happen, but maybe we don’t talk enough about, is the protection a good auto insurance policy will provide beyond just you as a driver.

Accidents By Someone Driving Your Vehicle: Understanding Auto Insurance

Let’s say you let your friend borrow your vehicle while on vacation and they get into an accident. You might be wondering if your auto insurance will step in. The short answer is yes! So long as you have the right coverage policy in place, your auto insurance will pay out if someone other than yourself is driving a vehicle.

Here’s what you need to know about the type of auto insurance policies that will cover an accident caused by someone other than yourself driving your vehicle:

  • Permissive use coverage. An insurance policy will cover other allowed drivers under what is called "permissive use". Indiana is pretty flexible here and ensures that so long as the person driving had consent, including implied consent, to drive the vehicle, the vehicle’s owner’s policy will apply. The only exception here is for restrictions such as unlisted drivers, which is a driver who would want to regularly use the vehicle, such as a son living in the household. 
  • Coverage limits. How much your insurer will pay out in the event a driver you are allowed to use your vehicle is in an accident will still be limited by your coverage limits. You, not the driver, will be responsible for paying the rest.

Learn More With Our Team at Gill Insurance Agency

Not sure what your auto insurance policy entails? Give our team at Gill Insurance Agency a call! We’re proud to serve clients in the Plainfield, IN and surrounding Indiana communities. 

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