Rob King & Associates, Trail Lawyers | July 31, 2025 | Car Accidents
In Indianapolis, letting a friend or family member borrow your car is not unusual. Whether it’s to run errands, get to work, or take a short trip, sharing your car may seem like a simple favor. But what happens if there’s an accident? Who is responsible? And is it even legal to let someone else drive your car?
If you live in Indiana and are wondering about the rules and risks of letting someone else drive your car, this article breaks it all down in a clear and easy way. We’ll cover important legal and insurance topics so you can make smart choices when it comes to borrowed cars.
Is It Legal for Someone Else to Drive My Car in Indianapolis?
Yes, in most cases, it is legal to let someone else drive your car in Indianapolis.
Indiana does not have a law that says only the registered owner of a car can drive it. What matters most is that the person you lend your car to has a valid driver’s license and your permission to drive it. If your friend, sibling, or neighbor has your okay and a valid license, they can legally drive your vehicle.
However, just because it’s legal doesn’t mean it’s without risk. So while you’re allowed to lend your car, it’s important to know what your insurance does and doesn’t cover.
Does My Car Insurance Cover Other Drivers?
In Indiana, most car insurance policies follow the car, not the driver. This means your auto insurance will typically cover someone else who drives your car with your permission. This is often called “permissive use.”
If your friend crashes your car and they had your permission, your insurance will usually kick in first. Their insurance might only be used if your policy doesn’t cover all of the damages or injuries. However, this can vary depending on your policy, so it’s smart to review your insurance documents or talk to your provider.
Some insurance companies have limits on who they consider a “permissive driver.” For example, if the person lives with you but is not listed on your policy, they might not be covered. Always check your insurance to understand who and what your specific policy covers. Being informed beforehand can help avoid unexpected bills or lawsuits after an accident.
What Happens if Someone Gets into an Accident in My Car?
If someone borrows your car and gets into an accident, the situation can get complicated depending on a few things:
- If they had your permission and are at fault, your car insurance will likely cover the damages.
- If they didn’t have your permission, your insurance may not cover it. This could lead to major legal problems for both of you.
- If the accident was caused by someone else, the at-fault driver’s insurance should pay for the damages, just like they would if you had been driving.
If the accident results in injuries or serious damage, you may also face a personal injury claim or a lawsuit. That’s why it’s important to only let responsible and licensed drivers borrow your car.
Call Our Indianapolis Car Accident Lawyers at Rob King & Associates, Trial Lawyers for a Free Consultation
Letting someone else drive your car in Indianapolis is usually legal, but it’s not a decision to take lightly. From insurance rules to liability risks, many things can go wrong if you’re not careful. Always be sure the driver is licensed, responsible, and covered under your policy.
If you or someone you love has been involved in an accident involving a borrowed car, it’s smart to talk to an Indianapolis car accident lawyer. Understanding your rights and options can make a big difference when insurance doesn’t cooperate or injuries are serious. Call Rob King & Associates, Trial Lawyers for a free consultation.
For more information, please contact Rob King & Associates, Trial Lawyers to schedule a free consultation with a car accident lawyer in Indianapolis, Indiana, today.
We proudly serve Marion County and its surrounding areas.
Rob King & Associates, Trial Lawyers – Indianapolis Office
22 E Washington St #310
Indianapolis, IN 46204
(317) 916-0000
