If someone else is driving my car...?

I let my friend drive my car last night and I was thinking of this:
If he got into an accident with someone else and it was the others persons fault, would that effect my insurrance or anything? Like would my insurrance go up or anything, even though it wouldn't have been his fault but he'd have been driving my car.
And obviously if it were his fault, then I'd have to pay right?

entidtil

Yes, your insurance MAY (not will) go up. Your insurance should cover anyone who drives your car, has your permission and has a valid drivers license, no matter whose fault it may be. The only thing you may have to pay is any deductible(s) that you may have.

pootfart3

You gotta pay more.....

Cecilina B

No matter what, you should not let anybody drive your car in your absence. Insurance does not see who is driving the car. It sees who is the owner of the car. And owner is always liable for anything happens whether the owner is a driver or passenger or lending the car to someone else. If the driver is not at fault, your insurance should not effect. Again, that depends on your insurance coverage and your agreement. However, if the driver is at fault, then you are fully liable. Yes, your premium will go up and you will end up paying full penalty unless your friend takes the responsibility to pay on your behalf and not screw you up. If the license holder's insurance does not cover all, then question is whether your insurance will cover up the rest when they would find out that you lent your car to someone else?

Rob

If anything happens to you car regardless of driver, or fault it effects you insurance. I've seen people get hit in a parking lot while they were shopping and their rate went up.

Frannie

No matter who's at fault your insurance company cannot raise your rates because of an accident.

Katie

If the car is registered in your name and the car is in an accident, regardless of who is driving, your insurance goes up. Obviously, if the accident wasn't your car's (drivers) fault it wouldn't affect your insurance, but otherwise, yes.

Heather V

It honestly depends on your insurance policy. With some policies only the policy holder is covered while driving and in that case even if the accident was not his fault your insurance would skyrocket and you might even have to pay some out of pocket $$

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