If you lend your car to someone who gets into an accident, which insurance covers the damages?

When you lend your car to someone, your insurance policy typically remains the primary coverage in the event of an accident. This is because car insurance usually follows the vehicle rather than the driver. Thus, if the person you lent your car to gets into an accident, your insurance would cover the damages incurred. This means that any liability for damages, injuries, or repairs that arise from the accident would be handled under your insurance policy.

This principle stems from the idea that as the owner of the vehicle, you are responsible for how it is used, including when it is in the possession of another driver. If there were any gaps or limitations in their insurance coverage, your policy would still apply to help cover the costs related to the accident.

Understanding these nuances is crucial for vehicle owners, as it emphasizes the importance of maintaining adequate insurance coverage even when others are driving their vehicle.