In Texas, auto insurance generally follows the car, not the driver. If you lend your car to a licensed friend and they cause an accident, your policy pays first.
Key rules
- Permissive use — drivers you allow to use your car are usually covered
- Your liability limits apply, not the driver's
- Excluded drivers and unlicensed drivers void coverage
- Driver's policy can act as secondary if your limits run out
Frequently asked questions
If someone else crashes my car, does my insurance pay?
Yes — your policy is primary in Texas under permissive use.
Will my rate go up if a friend crashes my car?
Often yes, because the claim is on your policy.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.