Does Liability Auto Insurance Cover Car Damages?
Reader’s Question:
My sister was driving my car and rear ended a person. She has only liability coverage and I have a full coverage in San Antonio TX. Will my car insurance pay or hers?
Jim
San Antonio, TX
Your car insurance in San Antonio TX should pay since it was your vehicle that was being driven. There should not be any issues with your sister driving if she is not excluded from the coverage. Most auto insurance policies define in as you or a relative or any individual using your insured vehicle with your express or implied permission to do so. But, if she is a household member than she may need to be listed on the policy in order to be a covered motorist.
You should report this loss to your insurance provider if you have not already. A licensed claims adjuster will be able to inform you the coverages and benefits on your car insurance policy with you.
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