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What happens when an uninsured friend wrecks your car?

Here's what you need to know...
  • Most policies have exclusions to coverage and those typically pertain to drivers under a certain age, such as 25
  • Your rates will still go up if someone else wrecks your car, but at least you will have financial protection if that person is on your policy
  • Either way, if your car is involved, your insurance is involved

If you let someone borrow your car, they get into a car accident, and they do not have any auto insurance then what happens? Well, no matter where you live, if you own a car you will need to purchase car insurance.

Typically, car insurance covers the car and not the driver. When you buy insurance for your car, however, you should list all of the expected drivers.

Since it is not possible to list every person that may drive your car at one point or another, you should review the exceptions on your insurance declaration to be sure you are not violating your policy.

No matter who is driving your car at the time of an accident, if that person is at fault then your car insurance and, ultimately you will be held liable.

Read through some of the practicalities below and then make sure to enter your ZIP code to start comparing quotes for auto insurance today!

Adding Drivers to your Car Insurance Policy


When you purchase your car insurance policy, you should tell your agent about any of the drivers you know who will most likely be driving your car at some point and if you will be letting someone drive your car without insurance.

Any other drivers on the policy typically cover a spouse or dependents. If a dependent is not yet driving at the time when you are buying the policy, it is imperative that you add him or her to your policy immediately when he begins driving.

Most policies have exclusions to coverage and those typically pertain to drivers under a certain age, such as 25.

If you fail to put your teenager on your policy and he gets into an accident while driving your car, your insurance company will not cover any of the damages because he falls under the “uninsured” disclaimer based on age.

You do not have to add specific drivers to your policy just to let them drive it on occasion. However, it is a good idea to make sure that they meet the age acceptance range that is listed on your policy.

If you are unsure, call your agent and confirm it. This way even if there is an accident you can rest assured that your insurance policy will cover it.

Your rates will go up, but at least you will have financial protection since ultimately you are responsible for anything that happens in your car.

If someone takes your car without your permission or your car gets stolen then file a police report immediately and then promptly notify your insurance company.

If there is no legal record of your car being stolen and your car becomes involved in an accident during that time frame, you could still be held responsible for damages even though the person driving your car did not have your permission to drive it.

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Uninsured Drivers

In most states, you are not allowed to register a car to drive unless you can prove you have valid insurance for it.

However, you do not need to purchase car insurance in order to be licensed to drive, so if you do not have a car you probably don’t have car insurance.

Not having a car or even car insurance means that you can be a legally licensed driver but not be insured. You can also make the choice of whether or not you will be letting an uninsured driver drive your car once you do get a car.

If you drive someone else’s car, you will most likely be covered under that person’s car insurance.

As the driver of someone else’s car, you should confirm the car is insured before you drive it since you could also be held responsible as the driver, especially if the car is not legally insured for the minimum requirements.

Uninsured/Underinsured Motorist Coverage does not apply to an uninsured driver driving an insured car.

Uninsured/Underinsured motorist coverage is optional and a financial protection in the event you are in an accident with a vehicle that is not covered by insurance.

Also, this type of insurance only protects the insured victim of the accident, so if you are the uninsured or underinsured motorist and you are at fault for the accident, you will not receive any insurance benefits.

The Scene of the Accident


The scene of the accident is a crucial factor in determining who is at fault for an accident. If the accident warrants an exchange of insurance information and calling the police, then it is important to find out who was at fault.

If your car is involved in an accident you need to notify your insurance company, regardless if the person driving your car has his own insurance or not.

Your car’s involvement means that your insurance is also involved.

If the driver is not exempt from your policy for any reason, such as an age restriction, then your car insurance should provide benefits for all damages as based on the limitations of your coverage.

One of the benefits of car insurance is a financial peace of mind. This peace of mind extends out to many different situations, including times when you need to let other people drive your car.

Unfortunately, as is typical with most insurance policies, if you end up using your benefits you may be greeted with an increase in premiums.

If your premiums have gone up or you would like to find cheaper insurance, you can compare FREE quotes now. Enter your ZIP code to get started!

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