Accidents happen. Whether it’s your fault or the other driver’s fault, it is bound to occur at one time or another. However you aren’t always the one that is behind the wheel of your own car. If an accident occurs when you aren’t behind the wheel, the outcome is contingent upon the circumstances of the accident itself and who was driving.
For the most part, if you are in your car with another person driving it and there is an accident, your car insurance company will likely to pay for the cost to repair it. That is because, for the vast majority of states in the country, car insurance is linked to the car itself, not the person who is behind the wheel. However, there can be some exceptions for drivers that are under the age of 18. There may also be other special exclusions to who is covered, so it is important to know what your coverage includes, along with all the other details in your policy. However if you do not pay for collision car insurance coverage and another person that is driving your car gets into an accident, you may have to pay for the repairs.
Although your car insurance policy may cover the cost of repairs to your car in the event of an accident, your car insurance rates may still go up even if you aren’t the one driving. That is because you are held responsible for your car, even if you are not the one behind the wheel. While your car insurance rate may not go up substantially, the simple fact that it is a possibility means that you should be very careful about whom you let drive your car.
If your car is stolen then you will not need to worry about paying for the damages that have been incurred should there be an accident. However it is important that you call the police and report that your car has been stolen as soon as possible. Likewise if you go out to a fancy restaurant and have the valet parking take care of your car, you will not have to pay for any damages done to it. Valet parking is a service that you pay for, and the company that you are paying is financially responsible for any damage incurred while your car is in their hands. There will be no need for you to worry about your car insurance rate going up if either of these situations occurs. However, you should make sure that you are well versed in your car insurance policies so you know what situations to avoid and the details of your coverage.