Am I Liable if Someone Driving My Car Gets Into an Accident? | California Personal Injury Lawyers

A popular question I often get is, what coverage applies when someone else is driving my vehicle and they get in an accident? So the simple answer is, in California the insurance follows the vehicle instead of the driver. So if you grant permission to someone and allow them to drive your car, so either hand them the keys or if it's just implied that they have permission to drive your vehicle, your insurance coverage would apply if they get an accident or hit a parked car, anything like that. The one caveat to that is if they borrow your car without your permission or your car is stolen or something like that and they get in an accident. But just be careful who you allow to drive your vehicle because your insurance coverage will apply if you grant them permission to drive it.

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Sally Morin is a driven and dedicated California personal injury attorney with a laser focus on serious bicycle, pedestrian, motorcycle and auto/rideshare accident cases. Although Sally was groomed as a trial lawyer, her primary goal now is quick and low-stress resolution of personal injury cases. Sally helps people get back to their families, their work and their fulfilling lives -- not be consumed by their legal case.

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If you allow someone to drive your car and they get into an accident where the liability exceeds your policy limit, who is liable for the amount that exceeds?