Someone Else Wrecked My Car

However there are some exceptions to this.

Someone else wrecked my car. A friend wrecked your car now what. If someone else is driving your car and another person causes the accident the at fault driver s insurance is usually responsible for covering costs. Expect a surcharge when your policy renews for filing an at fault accident. What happens if a friend wrecked your car and they are an uninsured driver driving an insured car in michigan if a friend wrecked your car and they happen to be an uninsured driver driving your insured vehicle in michigan then your own insurance company may defend the driver depending on your policy and there may be some personal financial risk due to owner liability.

If you re thinking of letting someone drive your car for a few. If someone else causes an accident while driving your vehicle either with you in it or not your car insurance will likely still cover damage to your car that the driver may have caused assuming you gave them permission. Your liability coverage would not pay for your friend s medical bills or repairs to your own car. Car insurance tends to follow the car in most circumstances so if someone else is driving your car and is involved in an accident your insurance will be considered primary meaning that all claims will go through it up to your coverage limits.

In regards to the car owner. If you do not know who damaged your vehicle and you file a collision claim under your own policy it will most likely increase your rate at renewal time. On the other hand if the driver of your car is at fault your car insurance will usually cover damages. So if someone else driving your car is at fault for the accident here s how your policy s coverage may help.

There is an accident that damages your vehicle someone else s. What permissive drivers means. If someone hit your property filing a claim on someone else s car insurance policy will not affect your rates. If your car is taken without your permission it can be difficult to prove you didn t give permission.

Many reasons can arise requiring someone else to drive your vehicle but you need to know how your car insurance policy works in this situation knowing how an at fault accident is handled when it is caused by a driver not listed on your policy. You ll generally end up paying. Was at fault and your own car was damaged. However if it s clear you did not allow someone else to drive your car and an accident happens one of a few scenarios could occur.

Technically if you wreck someone s car you can walk away as long as the damage falls within the vehicle owner s insurance policy limits.