If someone driving my car causes an accident, I won’t be held responsible | Insurance Myths

Important: This assumes your friend had permission to drive your car. If they didn’t—or if they’re an excluded driver on your policy—that could drastically change how (and whether) coverage applies.

What About Points on My License?

Here’s where it gets a little more personal.

If your friend causes the accident, they will be assigned any points related to moving violations (like running a red light or reckless driving)—not you, the owner. Points are tied to the driver’s license, not the vehicle.

However, that doesn’t mean you’re off the hook entirely. While you won’t get points, your insurance premium could go up. Why? Because you filed a claim on your policy, which signals risk to your insurer—even if you weren’t behind the wheel.

When You Could Be Held Responsible

In some scenarios, you might actually bear more of the blame:

• Negligent Entrustment: If you knowingly lend your car to someone who’s unlicensed, intoxicated, or otherwise unfit to drive, you could be held legally responsible for any damage or injuries they cause.

• Business Use: If your car is being used for business purposes (like a rideshare or delivery), and your policy doesn’t cover that, the claim could be denied or coverage limited.

Bottom Line

Before tossing your keys to someone else, remember: when you lend your car, you’re often lending your insurance, too. If something goes wrong, you could be left footing the bill—or at least dealing with the consequences on your insurance record.

So drive smart—and lend smarter.

📞Contact Us

Have questions about your coverage or need help reviewing your policy? Contact us today—we’re here to help you make sure you’re fully protected before handing over the keys.