If you were at fault in the accident and the other driver suffered injuries or property damage, your insurance also would cover their damages. As a general rule, car insurance follows the vehicle, not the driver. That means the owner of the vehicle would file a claim with their insurance to cover any damages.
What do you do if you damage someones car?
“Leave in a conspicuous place on the vehicle or other property damaged a written notice giving the name and address of the driver and of the owner of the vehicle involved and a statement of the circumstances thereof and shall without unnecessary delay notify the police department of the city wherein the collision ...
What happens if you accidentally scratch someones car?
Some insurance companies may require you to report any damage or collisions no matter how severe. If its more than a scratch, you should probably file a police report. While most law enforcement wont actually come to the scene physically, they may still take your information for an accident report.
What happens if someone else damages your car?
Auto insurance usually follows the car, not the driver. Your insurance generally pays for the friends crash, as long as your friend is a licensed driver and doesnt regularly borrow your car. (if theyre a regular driver of your car they should be listed on your policy anyway.)
What happens if you crash a car thats not yours?
In most cases, if you give permission to someone else to drive your car (making them a permissive driver) and they cause an accident, your insurance will cover the costs. Thats because yours will be the primary insurance, whether or not you were in the car with them at the time.
What can I do if my Neighbour hits my car?
Whether you can catch the culprit or not, you should call the police. Hit and runs are against the law, so you need to record the crime. The police might also be able to help you reach the other motorist, so they could help you get the compensation you need.
How does insurance work driving someone elses car?
Generally speaking, auto insurance follows the car instead of the driver. Follows the car, meaning: if you lend your friend your car and your friend gets into a collision, your insurance would cover it, and if your friend lends you their car and you get into a collision, your friends insurance would cover it.