So my roommate has no car at the moment and had to go to work today. They asked if they could borrow my car, and I said yes. Shortly after, they came back in to say they accidentally backed into another car. There was some light damage to the other car, and their air conditioner unit might have broken. They exchanged insurance info and all that.
I know it’s my car so it’ll still go through my insurance, but how does this work? I’ve never had this happen to me while driving my own car, let alone someone else driving it. If they bill me or I have to pay in any way, will they let me know? My roommate is going to pay for everything that occurs here, so I just want to know if it’ll be easily trackable. I have State Farm if that matters.
My roommate used my car and hit another car. What happens now?
byu/crome66 inInsurance
Posted by crome66
6 Comments
Auto insurance typically follows the car. It’ll go through your insurance and yes, your rates will typically go up.
They’ll let you know if you’re going to have to pay anything towards the individual that your friend hit beyond what your insurance covers.
Did your car get significantly damaged? Do you have collision or just liability?
Log into your state farm account for more details as they’re available. There will be updates there or contact your agent.
There’s a possibility that SF denies the claim and cancels your policy altogether. Very minimal possibility, but it’s been known to happen (although SF usually just force-adds the driver and uprates).
Yes. They will let you know if they need anything from you, which they will at a minimum need a recorded statement from both you and your roommate.
I hope they are on your policy or this could be trouble. Report this claim and SF will have to make a coverage decision.
If your roommate is covered, SF will pay for the damages to the other vehicle. If you have collision coverage, they may cover your car as well and you’ll have your deductible. If SF doesn’t provide coverage, then you two will need to pay for the damages yourselves.
The AC on a car isn’t going to break with light damage.
That’s going to be a party. Anything from getting their accident on your loss record up to claim denial and policy cancellation for material misrep. Depending on the state and the carrier.
Don’t loan your car to anyone.