What happens if someone who isn't on your insurance crashes your car? 

If someone driving your car is not on your insurance whether your insurance will cover them or not depends on if they had a permissive use to drive your vehicle. Permissive use is when your insurance covers a driver who has permission to use your car but is not listed on your policy.  

If someone who drives your car is a permissive driver, then your insurance will cover the damages. However, in some states, the insurer may offer only partial coverage for someone not listed on your policy driving your car. 

If someone drives your car without your permission, their auto insurance is responsible for covering the accident. If they don’t have insurance then you will need to file a claim with your insurer. 

Does car insurance cover the car or the driver? 

Generally, car insurance covers the car rather than the driver. It means that if there's an accident or damage to the car, the insurance policy helps cover the cost of repairs or replacement. However, it's essential to check the specifics of your insurance policy, as coverage can vary. Some policies may also offer liability coverage, which can protect the driver if they are at fault in an accident and need to pay for the damage or injuries to others. 

Do insurance rates increase after an accident caused by someone else? 

Insurance rates can increase after an accident involving someone else driving your car, even if that person is at fault. When you file a claim, it goes on your insurance record, and the insurer may consider the increased risk associated with the accident, regardless of who was driving. This could lead to higher premiums when it's time to renew your policy. 

It's important to check with your insurance provider and review the terms of your policy to understand how accidents involving other drivers may impact your rates.

Final thoughts

If someone not on your insurance crashes your car, coverage may still apply, but it depends on your policy and the insurer. Car insurance generally covers the vehicle and not the driver. Also, rates may increase upon renewal after an accident caused by someone else. 

While you don't usually need to be listed on someone else's insurance to drive their car, specific policies may vary. Full coverage can extend to other drivers with permission. Stay informed about your policy to understand the impact on coverage and rates.

Auto insurance FAQs

Do you have to be listed as a driver on insurance? 

In most cases, you don't have to be listed as a driver on someone else's insurance to drive their car legally. However, it's essential to check the specific policy, as some insurers may have different rules.

Can someone drive your car if they are not on your insurance? 

Yes, someone can drive your car if they are not on your insurance, as the policy generally covers the car itself, not the driver. Based on the terms of your policy, your insurance will provide coverage for your car even if someone else driving gets involved in an accident

Does full coverage cover other drivers?

Full coverage covers other drivers if they have permission to drive the insured vehicle. It includes liability coverage, which pays for damages or injuries caused by the insured vehicle, when someone else is driving it with the owner's permission.