What Happens If Someone Else Crashes Your Car?

Letting a friend or family member borrow your car might seem harmless—until they get into an accident. It’s a situation that can quickly become complicated, especially when it comes to figuring out who’s responsible for the damages. In Illinois, auto insurance generally follows the car, not the driver. But that doesn’t always mean you’re in the clear.

Who’s Responsible After a Crash?

If someone else crashes your car, your insurance policy is typically the primary coverage. That means your liability, collision and comprehensive coverage (if you have it) may be used first to cover damages or injuries. If the costs exceed your policy limits, the driver’s insurance could become secondary coverage.

Another consideration is whether the driver lives with you. In Illinois, regular household members should typically be listed on your policy. If they’re not, and they get into a wreck with your vehicle, it could raise red flags with your insurer.

A key question insurers ask is whether you gave the person permission to drive your car. This is often called “permissive use.” If you explicitly allowed someone to drive your car, and they were legally licensed and sober, your insurance would typically apply.

However, if the person didn’t have permission—such as taking your car without asking, or if they were specifically excluded from your policy—your insurance company may deny the claim. Some insurers also draw a line between occasional and regular use. If someone drives your vehicle frequently but isn’t listed on your policy, this could also lead to coverage issues.

Even when permission is granted, the risk profile of the driver matters. Insurance companies assess risk based on items such age, driving history and past claims. If you knowingly let someone with a suspended license or history of reckless driving take your car, your insurer might view that as a negligent decision, which could affect how (or whether) the claim is handled.

If the person driving your car was uninsured and at fault, and your insurance doesn’t cover all damages, you could be held financially responsible. It’s important to understand exactly what your policy covers and who is allowed to drive your vehicle.

Stay Financially Protected With the Right Coverage

If you need help understanding your coverage or making sure your coverage is adequate, contact Pronto Insurance today. Our experienced team is here to help you navigate the details so you’re better prepared—no matter who’s behind the wheel.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.