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Auto Insurance Question from North Shore, Louisiana
Answer given on August 20, 2019
In auto insurance, the insurance follows the car. If you were driving someone else's car and caused an accident, the insurance for the car should pay for damages and injuries to the other driver. However, there are some insurance companies which now exclude drivers if they are not listed on the insurance policy. Make sure that is not the case for this accident. If it is, you may have to file a claim under your automobile insurance for the damages. The owner of the car will not usually see an increase in their rates since they were not driving. However, if you caused the accident then your insurance rates can increase on your automobile insurance policy
It is always best to be sure that you are insured when using someone else's car. Also, it is not recommended that you lend your car to anyone, as they could cause a major accident and result in major damages and/or injuries to another person.
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