Myth

Myth: Car Insurance Follows the Driver

Contrary to popular belief, in case of an accident, car insurance follows the car — not the driver. So if you lend your car to a friend or a visiting relative, you could be liable if an accident occurs.

Even if your friend has great coverage with the highest limits and the lowest deductibles, your auto insurance would have to cover the damages if your friend got into an accident while driving your car.

car insurance follows the car

If you’re thinking of letting someone drive your car for a few hours, days, or weeks, keep in mind that you’re not only lending your car, you’re also lending your car insurance. In most states, comprehensive and collision coverage protects your vehicle regardless of who’s driving it.

Though state laws vary, here’s how auto insurance coverage breaks down in the event of an accident:

  • If you give any non-excluded driver (that
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