When someone else is driving your car and gets involved in an accident, the question of liability arises. Liability typically falls on the person who caused the accident. What varies, though, is whose insurance will cover the damages.

Summer break is the ideal time for road trips and exploring new destinations. Having a trusted co-pilot who can take the wheel during long drives is a great way to share the journey. However, what happens if the unfortunate happens and you’re in a wreck while someone else is driving your car?  Knowing how you’re covered can help you in the decision to share driving responsibilities on that next road trip. 

Understanding Liability in Car Accidents

When someone else is driving and wrecks your car, the question of liability arises. 

Liability typically falls on the person who caused the accident. What varies, though, is whose insurance will cover the damages. If the driver of the vehicle is at fault, their insurance coverage may come into play. However, it’s also possible that your insurance would cover the damages, as many car insurance policies follow the vehicle, rather than the driver. So it can get tricky and confusing. It is important to review your policy and consult with your trusted Rockingham Insurance agent to understand the specific details and limitations regarding coverage. We also cannot assess the details of a claim until it has been filed and reviewed.

Collision and Comprehensive Coverage

To ensure complete protection for your vehicle, it’s essential to have collision and comprehensive coverage as part of your auto insurance policy. Collision coverage helps cover damages resulting from accidents, regardless of fault. Comprehensive coverage, on the other hand, protects against non-collision incidents such as theft, vandalism, or natural disasters.

Take Action and Document the Incident

If someone wrecks your car, it’s crucial to take immediate action. First, ensure the safety of everyone involved and contact the authorities if necessary. Then, gather as much information as possible, including contact information for the other vehicle’s driver, witness statements, and photographs of the accident scene and damages. Notify Rockingham Insurance promptly, and provide us with all the necessary information to conduct our investigation. You can file a claim online or call us at (800) 662-5246.

Additional Considerations

It’s important to note that insurance coverage and policies can vary. Some insurance companies may have specific requirements or limitations when it comes to other drivers using your vehicle. To fully understand your coverage and any potential exclusions, it’s recommended to reach out to your Rockingham Insurance agent and discuss your concerns.

Protecting Your Investment

To mitigate risks associated with letting others drive your car, it’s essential to ensure that anyone borrowing your vehicle has a valid driver’s license and a good driving record. Trust and communication are key when entrusting your vehicle to someone else. Regular maintenance and vehicle inspections can also help prevent accidents caused by mechanical failures.

While having a trusted co-pilot during road trips can enhance the experience, it’s important to be prepared for any unfortunate incidents that may occur. Understanding your insurance coverage and having the appropriate policies in place with Rockingham Insurance can provide peace of mind. Remember to review your policy, communicate with your insurance agent, and take the necessary steps to protect your investment and navigate any challenges that may arise.