According to Virginia law, the car owner’s insurance covers accident-related expenses even if someone else is behind the wheel. But only if the person has the owner’s permission to drive. This information is mentioned in Virginia Code § 38.2-2204.
The law requires the insurance policy to cover any person using the vehicle “with expressed or implied consent of the named insured.” In case the person who borrowed your car has their own insurance, that policy would provide coverage on top of your own. That comes in handy when damages exceed your policy’s limits.
When the car owner is behind the wheel and crashes the vehicle, their insurance can cover the damages. But what if someone else drives your car and gets in an accident? Are you responsible? Knowing where responsibilities lie in this situation can help you avoid legal issues and insurance battles in the future.
Accordingly, an uninsured person driving an insured vehicle is covered by the car owner’s policy. However, the coverage only works if the owner gives
his or her permission to the driver.
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