It’s common to lend your car keys to a visitor from out of town, whether it’s for a quick trip to the store or an errand they want to handle for you. But what happens if your guest gets into an accident while driving your vehicle? In Texas, the answer depends on several crucial factors, as your agent at InsureUS, serving Cypress, TX, can explain.
Insurance is Tied to the Car
In Texas, auto insurance generally follows the car, not the driver. If your guest had your permission to use your vehicle and caused an accident, your auto insurance would likely be the primary responder. Your liability coverage would help pay for damage or injuries to the other party, up to your policy limits.
Collision Coverage and Deductibles
If your policy includes collision coverage, it may help cover repairs to your vehicle. However, you’d still be responsible for paying the deductible. If you don’t have collision coverage on your policy, you may have to cover the damage to your car out of pocket, even if insurance handles the rest.
Exclusions to Be Aware Of
If your guest was unlicensed, impaired, or using your car without permission, your insurer may deny the claim. In those situations, the responsibility could shift to your guest, or you could be left dealing with a complex legal situation.
If you anticipate someone borrowing your car, even for a few days, it’s wise to consult with your insurance agent at InsureUS, serving Cypress, TX. They can clarify what’s covered under your policy and inform you about any exclusions or limits. Ultimately, a bit of planning can help you avoid significant complications if something goes wrong.
