Will my insurance company pay if an uninsured driver has an accident while driving my car?
Friends want to borrow my car but don’t have a car or insurance. Would I have to pay out of pocket for damages?
Comments (6)
Friends want to borrow my car but don’t have a car or insurance. Would I have to pay out of pocket for damages?
probably
most insurance companies don’t insure the car for other drivers unless on policy.
Pick up the phone and call your insurance agent and ask them. You may not get the answer you want to hear, but at least it will be accurate.
If you give permissive use for someone to drive your car and they have an accident, YOUR auto policy would pay for the accident. But if you allow them to drive on a regular basis, they could deny the claim since they are not listed drivers on your policy.
Do you want to pay more on your insurance if they have an accident? You do have insurance, don’t you? If not, then you would be held liable for any damages/injuries if they have an accident.
Have your friends borrow someone else’s car, so you don’t have to worry about it.
good luck
Depends on your insurance. Some companies cover any licensed driver THAT YOU GIVE PERMISSION to. Others, usually cheaper, only cover drivers who are on the policy. If you want to add your friend then I hope they live with you but maybe you could get them as a secondary driver.
You will be liable for all the cost and face getting prosecuted for no insurance even though you have it, as you let them drive knowing that they don’t have any. The best thing you should do is make shore your friend has a full driving licence (you must see it with your own eye’s ) then phone your insurance provider and get your friend put on your insurance for the shortest time that they do. This will cover them and you, I would get your friend to pay any fee, but i have put people on as a named driver this way and some don’t charge as long as you don’t make a Habit of it. Good luck.
Some companies will pay out a claim but some won’t. It’s best you call your company and ask them before you let your friend drive.