What happens if you are in an accident with someone else car?
As long as you had permission to drive the other person’s vehicle, their insurance should cover the accident. If the total damages exceed their policy limits, you would then file a claim with your own insurance company for the remaining costs. Who has permission to drive someone’s else vehicle?
What happens if the other driver is at fault in an accident?
If you have auto insurance, you would file a claim with your insurance company to pay for your damages. If you were at fault in the accident and the other driver suffered injuries or property damage, your insurance also would cover their damages.
What happens if my spouse is in an accident with my car?
For instance, if you are a licensed driver and you were driving your spouse’s or parent’s car at the time of the accident, you are likely covered under the policy on the vehicle. In this case, you can expect the car owner’s insurance to cover your damages.