Lending your car to a friend or family member might seem like no big deal—until they get into an accident. If that happens, you may find yourself wondering: am I responsible for any damages? At The Hansen Agency LLC in Washington, PA, we help drivers understand how their auto insurance works in situations like these, so they aren’t caught off guard.

Who Bears Responsibility After an Accident?

In most cases, auto insurance follows the car, not the driver. So, if you allow someone to drive your vehicle, and they cause an accident, your insurance policy would most likely be the first to cover any damages. However, if costs exceed your policy limits, the driver’s insurance may be used as secondary coverage.

There are situations where you could be held personally responsible. If you knowingly allowed an unlicensed or intoxicated driver to use your car or lent it to someone with a history of reckless driving, you might be sued for negligence. Additionally, you could face legal action if the accident causes significant damage or injuries beyond what your insurance can cover.

How Can You Protect Yourself?

Before handing over your keys, it’s a good idea to check that the person borrowing your car has a valid license and a solid driving record. Having sufficient liability coverage on your policy can also help protect you from unexpected financial burdens.

Secure the Right Coverage for Assurance

Accidents happen, but the right insurance can help minimize the risks. The Hansen Agency LLC in Washington, PA, can help you find an auto insurance policy that keeps you covered, no matter who’s behind the wheel. Contact us today to learn more!