What if an uninsured friend wrecks my car? (Three Types of Borrowers)

Insurance should cover the accident if an uninsured friend wrecks your car while they have permission and are an eligible, licensed driver. If someone borrows your car without your permission, file a police report.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 28, 2022

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Here's what you need to know

  • Your insurance company will handle the claim if an uninsured friend wrecks your car, but they have permission to drive it
  • However, make sure to check if there are any age exclusions on your policy first
  • If your friend lives in the same household, you should list them on your policy

When a friend drives your car and gets into an accident, what about the repair costs? You might know that they don’t have a vehicle of their own and do not have insurance in their name. Will that affect your insurance, and can you still file a claim for the damage? 

Does insurance cover it if my uninsured friend wrecks my car?

Usually, insurance does still cover uninsured drivers, but it depends on a few key things. If the driver is unlicensed, then it will not. If the driver is below a certain age, then a clause within your policy may not allow them to drive your vehicle. 

If they live in the same household as you, you should always list them as a named driver on your policy. However, if they are just an occasional user and have borrowed your car with your permission, everything should be okay. 

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Three Types of Borrowers

Below we go into detail on three different types of scenarios in which drivers may borrow your vehicle. 

Does my insurance cover other drivers who I know?

In most cases, your insurance will cover drivers who use your car occasionally. This is known as a permissive user, although it does not apply to people who live in the same household. 

So, if the friend was driving your car with your full knowledge, then the same levels of coverage that you currently have will apply in this situation. Here, the insurance will “follow the car,” and it doesn’t matter that your friend did not have insurance in their own name.

Remember, you should list all drivers who live in your household on your policy. The insurance company assumes they have access to the vehicle and may drive it from time to time. The insurance company will address this on the claim if they are on the policy.

What if an uninsured driver borrowed my car without my knowledge?

This will be illegal, and if you had not given permission to that person to drive your vehicle, the insurance company might not entertain a claim. If somebody steals your car, then this is a police matter. You will need to inform the authorities immediately and file a police report. 

You will also need to notify your insurance company right away. But, if there is no legal record of somebody stealing your car and it’s in an accident during that time, you may be liable for damages even though they did not have your permission to drive your vehicle.

Can uninsured drivers drive someone else’s car?

You can have a driver’s license without needing insurance, and in most states, you cannot register a car unless you have proof of insurance first. Still, an uninsured driver with a valid license can drive someone else’s car if they have the owner’s permission and are subject to any age clauses in the policy.

Does uninsured motorist coverage help when someone else wrecks my car?

Uninsured motorist coverage does not apply in this situation. This type of coverage will cover your losses when another driver who does not have insurance causes an accident involving your vehicle.

Someone else wrecked my car, so what should I do next?

Make sure you have all the accident scene details and a police report. Notify your insurance company immediately.

What happens if I loan my car out and they crash it?

Many people ask, “Can you let other people drive your car?” In many cases, you can so long as you give them permission but check your policy first to see if there is an age exclusion. The driver must be on your policy if they live in your household, and if somebody steals your car, you must file a police report immediately.

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