Who is Liable if my Car is Involved in an Accident but I was not Driving?

Car Accident injury cases can be very complicated because every case is unique.

One of the main questions that must be answered when an accident occurs, is who is liable for the damages and compensation.

Thankfully, in most accidents, damages will be covered by one of the involved driver’s insurance companies. It’s usually whoever was liable for the crash, making a financial recovery more likely.

However, what if the person driving one of the vehicles in the accident was not the car owner?

This creates a unique scenario that can actually complicate filing a claim, although certain protocols help resolve this issue when it occurs.

The main concept to understand when it comes to accidents of this nature is that Car Insurance is insurance on the car itself, rather than the driver.

Therefore, as long as you have Car Insurance, your vehicle will most likely be covered if it is involved in an accident while someone else is driving.

Likewise, if the accident was determined to be the other driver’s fault, their insurance will be held responsible for damages.

If someone else causes an accident with your car, the insurance on your vehicle will generally cover all of the damages.

If the at-fault driver has their own insurance policy with liability coverage and collision coverage, it could act as secondary insurance if the limit of your policy is reached.

In the article below, we will examine what exactly happens if someone else wrecks your car.