People never think about the accidents that will occur after they lend the cars to their friends, family members, colleagues, and so on. We start becoming anxious about whether the car insurance will cover all the damages we receive in the accidents. Fortunately, the answer is Yes as long as you permit that person to drive your car.

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Most people may misunderstand that car insurance follows the owners and drivers, the fact is that car insurance constantly follows the vehicles. For instance, if you lend the cars to people who are not excluded* on your insurance, your car insurance will pertain immediately as the first coverage after the accidents occur. And the insurance of whoever drives the car will serve as the second coverage. 

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On the contrary, car insurance will likely not become effective if you don't give permission to others and the crashes happen. For example, one of your friends drives your car away without informing you, their insurance would serve as the first coverage if the accident happens. And your car insurance will fill up the remains. In addition, the same person drives your car away without noticing you but is uninsured, there are high possibilities that your car insurance will cover all the damages in the accident.

 

*Not excluded definitions: People and drivers whom you willingly lend the car to are not on the excluded list of your car insurance, otherwise, your car insurance will not apply to you as the first coverage in the accident.