If someone borrows your car and is involved in an accident, what happens under Wyoming car insurance rules? As long as the friend had your permission to drive the car, he or she should be covered under your car insurance policy. It should cover any injuries or property damage the other person caused while at the wheel. There may be exceptions set out in the policy provisions, so it’s a good idea to check the policy before making the decision to lend out your car.
In a case where you and the person who borrowed your vehicle have car insurance in place, your policy would likely pay out for damages first. The borrower’s insurance would then pay out if you didn’t have enough insurance to pay for the damages or if there were gaps in your coverage.
While the person who borrows your car may be covered, the claim for damages will be made against your insurance policy. Having an accident appearing on your record may mean higher premiums when the policy is up for renewal.
A few months before the anniversary date, take the time to go online to get some quotes from different insurance companies. By shopping around, you may be able to get better rates for your coverage, even though someone had an accident while driving your car.