What happens if someone not on my insurance wrecks my car?

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

No, it’s not illegal to drive someone else’s car. … But to give you an idea, according to the New South Wales Roads and Maritime Services website, you’re looking at a $607 fine for driving a vehicle that’s unregistered and a $530 fine for driving a vehicle that’s uninsured.

Are you liable if someone else wrecks your car?

Your collision insurance will pay for the damages to your own vehicle if your friend crashes your car, if you have that coverage on your policy, as collision is optional. … So, if your friend is in a serious accident, the damages may go beyond your limits and that is where it gets interesting.

What if someone else wrecks my car?

You may think you’re covered for damages caused by another person driving your car because you have compulsory third party (CTP) insurance. … Under comprehensive car insurance (and some other policies), you can claim cover for an unlisted driver, although you’ll have to pay an unlisted driver excess.

Do I need insurance if I borrow a car?

In general, when you borrow a car, you borrow car insurance, too. Insurance typically follows the car, not the driver. That means if you are involved in an accident while driving someone else’s car (not on your insurance policy), the owner of the car will probably be held responsible for any financial damages.

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Can other people drive my car?

Usually, yes — your car insurance coverage should extend to anyone else driving your car. … So if you lend your car to your best friend, your sister or even your second cousin, your insurance is most often the insurance that will pay in the event of an accident.

When someone borrows your car and has an accident?

If you let a friend borrow your car and he or she causes an accident, your auto insurer would be responsible for paying for damages to the other driver and his or her passengers, up to the limits of your policy. If damages exceed your policy limits, your friend’s insurance would act as secondary coverage.

Who is liable if I loan my car to a friend?

In California, vehicle owners are generally responsible for damages if they allow friends or relatives to borrow their vehicle. … That means it will not cover damages the excluded driver causes.

Can I borrow my friend’s car?

Ultimately, it’s usually safe to loan your friend your car for occasional errands or projects. And the same goes for borrowing a car. Just make sure it’s for “normal” use. You’ll want to confirm that the car has coverage and that your insurance, whether you’re the owner or borrower, will apply.