Question

Suppose that you only have liability and collision car insurance and you allow your roommate(who doesn’t have car insurance) to drive your car to run an errand. what will likely happen if there is a single-car accident causeing moderate damage to your car while your roommate is driving

Answer 1

The accident would likely be covered under the collision insurance, which covers the policyholder's car when it collides with another car or an object (in this case it would be an object since it was a single-vehicle accident.

If you only had liability coverage, the damage would likely not be covered because liability insurance only covers the damage caused to the other person and their car, not you or your car.

This will also be added to your insurance record even though you weren't the one driving because it was your vehicle and your policy.