06/03/2026
In most cases, auto insurance is tied to the vehicle and not the driver. That means if you loan your car to a friend or family member, and they cause an accident; your policy is typically the first to apply. 🚙
Your liability coverage would generally pay for damage or injuries caused to others, up to your policy limits. If the damages exceed those limits, and assuming the person driving your car also has separate insurance — that driver’s auto insurance may step in as secondary coverage. While this is the standard structure, the exact outcome can vary depending on your policy and state rules. The more you know! 💭
