If Someone Uses My Car, Will My Insurance Cover Them in the Event of an Accident?

Auto insurance provides individuals with financial protection in the event of a collision. Depending on the type of coverage purchased, it will usually pay for things like vehicle repairs, medical care, and sometimes even lost wages given they stemmed from the accident.

Additionally, auto insurance coverage sometimes extends to the people living in your household if they decide to borrow your vehicle (with your permission, of course) and engage in a crash. But, there are some exceptions. Read on to find out what these are.


Here’s when auto insurance will cover the people in your household–and when it won’t.


If you’re someone who doesn’t mind lending out your car to a friend, babysitter, or relative every now and then, there’s a good chance your auto insurance will cover them so long as you give them permission to use your vehicle. However, if they should be listed as a driver on your policy but aren’t, then your insurer may choose not to extend coverage in the event of a car or truck accident.

For example, let’s say your husband  or wife is a licensed driver and shares your vehicle with you, though they are not listed on the vehicle’s title. In most cases, insurance carriers do require that you list them as a driver on your policy to ensure they are fully covered in the event of a truck crash or car collision.

Now, it is worth noting that the rules do vary by insurance carrier so it’s best to check with your insurer before letting someone in your household utilize your vehicle.

In the event the driver has their own insurance, then the claim will usually need to be opened through their carrier, not yours. However, if the other driver is at fault, then the claim would need to be opened with the at-fault party’s insurer.


What happens when someone else who was driving my car engages in a truck collision?


In the event you allowed someone in your home (who isn’t listed on your insurance policy) to borrow your vehicle and they were involved in a truck accident in Chicago, you might want to consult with an attorney. A Chicago, IL truck accident lawyer will be able to review your policy to determine if coverage extends to them or not.

The truth is, insurance companies often look for ways to avoid financial responsibility for an accident, especially one involving a truck as these are usually the most expensive type. If the person who you allowed to borrow your vehicle wasn’t listed on your policy when they should have been, your insurer could deny your claim and cite this as the reason for not extending coverage.


A Chicago, IL truck accident attorney can help you fight for the compensation you deserve.


If someone was driving your vehicle and was involved in a truck collision, you may be entitled to compensation for vehicle repairs and injuries if you were riding as a passenger. To ensure your insurer handles your claim fairly and promptly, it’s recommended you connect with a lawyer as soon as possible.

The Chicago truck accident attorneys Dinizulu Law Group, Ltd. have over 50 years of combined legal experience and provide free consultations to truck accident victims. To connect with a legal expert now, call 1-312-384-1920.

If you have additional questions regarding this article or a different type of legal concern, call 800-672-3103


You can contact Dinizulu Law Group, Ltd. at:


221 North La Salle Drive, Suite 1100

Chicago, IL 60601

Phone: 1-312-384-1920

Website: www.dinizululawgroup.com

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