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I lent my car to a friend, they had an accident, what now?

September 20th, 2011  |  Insurance

We hear about this situation all the time – you lend your car to a friend and then they get into an accident. When this happens to people, it is understandable that people will be upset. But, the truth is that most people are not sure what to do next. Are they covered? Does the friend’s coverage handle the accident? How does it work?

If you lend your vehicle to a friend and they are in an at fault accident, the claim will be made using your insurance policy. Remember, that the insurance policy follows the vehicle. Even if your friend has their own insurance policy, you will still be on the hook if they get into an accident. So, think twice before you lend out your car to someone else. You are allowing your friend to borrow your car and your car insurance.

The actual process of making the claim will be exactly the same as if you were the driver. You will have to file a report with the police and go to the accident reporting center in your area. And, you will need to call your insurance company right away to notify them of the accident.

If you have questions about your friend’s role and what to do, your insurance company will be able to answer these questions for you and help you with the claim process.

Want to learn more about this? Give HUB Insurance Hunter a call and we would be happy to answer your questions about your auto insurance coverage. 

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