If a friend of mine who doesn't have insurance drives my car and gets in an accident, whom does it effect?

Chris

You, because insurance follows vehicles, so whatever happens when he is driving is covered by your policy.

jay

Y O U

longhats

Anything that happens to that car is YOUR fault. You have knowledge that this person has no insurance - so you are liable for anything that happens.

c2god2

Most everyone is correct. I worked for and insurance company for 12 yrs and was licensed. The insurance that is on a car stays on that car reguardless of who is driving it. If there is an accident and the driver of your car is at fault YOU are responsible and your rates will go up.

In the state of Missouri, if you rent a car and have full cov on an auto it will extend to the rental so you dont need to take out the other insurance which is very expensive - but there again, if you have an accident in the rental and your insurance has to pay out your rates will go up.
Kathy

Dirty D

You.
That's why I don't lend my car to anyone and like someone said earlier if they were your "friend" they wouldn't put you in such a situation.

Eagleflyer

Sorry to say that the owner has some responsibility. If you look at a form complaint for motor vehicle accidents, under the cause of action for negligence, it calls for the names for both the owner of the vehicle and the driver of the vehicle. This means that your insurance company may be liable for payment. There is a presumption that you knew or should have known your friend was uninsured when you lent your car to him or her.

It will mostly affect the friend, but will also affect you.

The friend will have an accident on his record - if the insurance company pays out any money. This will show up even if the police were not involved. The friend will have higher auto insurance rates for 3 to 5 years because of this.

Your insurance company will pay, but your rates won't increase. But, the accident will show "in your household" for 3 to 5 years so if you ever change insurance companies then they will probably need proof that it wasn't your accident.

Other than that it won't affect you. I hope that helped!

Ron @ InsureMe http://www.insureme.com/landing.aspx?Refby=614507&Type=auto

lightningviper

it was your car, so you are responsible for the damages, but your insurance company will say that your friend was not insured on your policy, so they will not pay. If the friend will not willingly pay, then sue them.

sheeny

The owner of the vehicle is responsible. Be careful who you give your car to. You are at his mercy.

krioni1979

Most states require that you carry some sor tof uninsured motorist coverage in case of an accident. Insurance is for the vehicle first and the driver second. Therefore, anything that happens comes out of the cars insurance and extra stuff out of the drivers insurance. It varies by state and insurance companies though so it's best to contact your insurance company. See link below for a better explanation.

CarolynJayne

Sorry to have to tell you this but , YOU!

beesugar24

You and the person who drove your car.

jeff

It might affect you i would seriously check that out legally before you have to face such a situation in the very near future thanks

yellowjeff

Unless your insurance covers all drivers.... you. And whoever he hits, if anyone.

Show Me Sunshine

Car is insured under your name, it doesn't matter who is driving. But Your friend may get a ticket from COP depends upon what causes the accident.

John Z

You. It's your car... and, anyone else your friend wrecks into. Owning a car is not a right. It's a responsibility. Don't let your "friend" drive your car -- if they were actually your "friend" they wouldn't be putting you in this position.

Good Luck.

Bostonian In MO

You, if he was at fault. Since your insurance will be paying for the damages, your rates will probably go up.

Your insurance covers anyone who is driving your car with your permission. If your friend does not own a car, he would have no reason to have auto insurance.

trevorborden

you! don't let your friend drive your car without insurance, u will be up **** creek!

Vida

You. Your insurance and your car is registered in your name. Be careful your insurance premiums will go up if the driver of your car is at fault.

nonsense_5

It doesnt matter if they have insurance or not. As long as YOU have insurance, then it falls on YOU!

curiously strong

you, you will be financially and physically responsible for your own car and for anyone elses car or injuries.

mindbender - seeker of truth

The cost of repairs will be covered by your company. You pay the premiums on the car and they are rated according to your age and driving record.
I don't know if you are required to check your friend for insurance but I would think the law would allow for "friends" who lie about such things. You cannot be ticketed if the friend breaks any laws but your insurance will have to pay if the accident is the fault of your friend. It might cause an increase in premiums, is your friend prepared to pay the increase?
With my company, my insurance will pay first even if the driver has insurance with a different company and then my insurance will attempt to make claim on the drivers company.
Good luck

Enter Your Message or Comment

User Name:
User Email:
Post a comment: