You may not think twice about letting a trusted friend or family member drive your car if the situation calls for it. However, you’re also probably not thinking about the consequences of that person getting into an auto wreck. These situations can cause some confusion with insurance companies and you may be affected, even if you weren’t in the car at the time. Here’s what you need to know about how liability is determined after a collision involving a vehicle that’s owned by someone other than who is driving:
How Does Insurance Apply When Someone Else Drives Your Car?
Many people believe in a common misconception when their friend or family member is driving their car. They think that insurance applies to the driver. However, this is not the case. Insurance applies to the vehicle. So, if someone who is not on your insurance plan is driving your vehicle, your insurance still applies in the case of an accident.