10/16/2026
🚗 YOUR TEENAGER BORROWS YOUR CAR AND GETS INTO AN ACCIDENT… NOW WHAT? 😳
You let your teenager borrow your car to run a quick errand. Then your phone rings…
They’ve been in an accident. Now what happens with your insurance?
Here’s what every parent should know! 👇
🚘 1. Your auto insurance may cover the accident.
In many cases, auto insurance follows the vehicle, but coverage depends on your policy, who was driving, and the circumstances of the accident.
💰 2. You could be responsible for the deductible.
If your policy covers the damage to your vehicle, you’ll generally be responsible for your collision deductible.
⚠️ 3. Your rates could be affected.
Depending on the circumstances, an at-fault accident could affect your insurance premium.
👨👩👧 4. Make sure your teen is properly listed on your policy.
If your teenager is a licensed driver in your household, talk to your agent about how they should be covered—even if they don’t drive your car every day.
Here’s the bottom line: Don’t wait until an accident happens to find out how your policy works!
📲 Have a teen driver at home? Let’s review your coverage before you hand over those keys!
🏠🚗 Shelter from the storm.
