What If Another Driver Gets Into An Accident In My Car


“What if another driver gets into an accident in my car?” It’s a good question. Although, not everyone knows the answer to it. 

Deciding if another driver can borrow your car can be a tough choice. But, it’s a choice you might have to make at some point or another. The choice poses a number of questions. What if they get a speeding ticket? What if an officer pulls them over? Even worse, what if another driver gets into an accident in my car?

A speeding ticket will not affect you but depending on the available insurance, a car accident may.

Who Is Covered Under Your Insurance Policy?

The general rule is that anyone living in the same household as the policy owner has coverage while driving your car. However, that is unless the policy explicitly labels them as an “excluded driver”. In Illinois, most coverages follow the car. But, a few coverages do follow the driver.

 Liability And Non-owners Insurance

These policies always follow the driver. These cover body and property liability damages. These policies also keep you insured no matter what car you are driving.

Comprehensive And Collision Insurance

These types of insurance follow the insured car. Family members and other people living in the same household as the insured person will also be under the policy. Although, not if they carry the label of an “excluded driver”.

However, they are only insured if they have your permission to use the car. You are responsible for repaying those damages, not the driver, if the damages for the accident go over the policy limits.

You can give one of our staff members a call (888-949-6289) if you have any other questions. Or, you can choose to visit one of our many offices in Illinois. Also, be sure to check out our Facebook, Twitter, and YouTube pages. They can help you find more information about various auto insurance topics.