[[{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question","text":"Generally, most car insurance policies in North Carolina follow the car, not the driver. When someone borrows your vehicle and causes an accident, as the vehicle owner, your liability policy should compensate the injured individuals for their financial losses.  Things change when someone takes your car without permission and gets into an accident. Taking an item without permission from the owner is not borrowing. It is theft. When an individual takes your car without your consent, the driver or their insurance company becomes responsible for compensating injured parties for their losses.","@id":"https:\/\/www.jdwarlick.com\/blog\/does-insurance-follow-the-car-or-the-driver-in-north-carolina\/#Answer"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question1","text":"As the vehicle\u2019s owner, your insurance is the primary policy for accident damage and medical expenses. However, if the driver also has car insurance, their insurance company may be on the hook to pay for the rest of the damage your policy can\u2019t cover. If the person who borrows your car causes the accident, they may also face a personal injury lawsuit from others seeking compensation for their losses not covered by an insurer.","@id":"https:\/\/www.jdwarlick.com\/blog\/does-insurance-follow-the-car-or-the-driver-in-north-carolina\/#Answer1"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question2","text":"Typically, you do not need to use your supplemental MedPay coverage following an accident caused by a driver who borrowed your car. While liability, collision, and comprehensive coverage follow the car, MedPay coverage usually follows the driver. However, you need to review your specific insurance policy to determine the scope and limits of your coverage.","@id":"https:\/\/www.jdwarlick.com\/blog\/does-insurance-follow-the-car-or-the-driver-in-north-carolina\/#Answer2"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question3","text":"The situation gets complicated if your friend does not have their own car insurance and is the at-fault driver. Your insurance may pay for the expenses and financial losses of the other individuals involved. But if their losses exceed your policy limits, they may try to find additional ways to recover the compensation they need, such as through a personal injury lawsuit.  Additionally, North Carolina law requires all drivers to have minimum insurance coverage. If someone borrows your car and gets in an accident without insurance, the state may hold you accountable as the vehicle owner. Consequences can include suspending your driver\u2019s license.","@id":"https:\/\/www.jdwarlick.com\/blog\/does-insurance-follow-the-car-or-the-driver-in-north-carolina\/#Answer3"},{"@context":"http:\/\/schema.org","@type":"FAQPage","name":"Does Insurance Follow the Car or the Driver in North Carolina?","mainEntity":[{"@type":"Question","name":"What Happens If My Friend Borrows My Car Without My Permission and Gets in an Accident?","acceptedAnswer":{"@id":"https:\/\/www.jdwarlick.com\/blog\/does-insurance-follow-the-car-or-the-driver-in-north-carolina\/#Answer"},"@id":"https:\/\/www.jdwarlick.com\/blog\/does-insurance-follow-the-car-or-the-driver-in-north-carolina\/#Question"},{"@type":"Question","name":"What If My Friend Causes Damages Greater Than My Coverage Limits?","acceptedAnswer":{"@id":"https:\/\/www.jdwarlick.com\/blog\/does-insurance-follow-the-car-or-the-driver-in-north-carolina\/#Answer1"},"@id":"https:\/\/www.jdwarlick.com\/blog\/does-insurance-follow-the-car-or-the-driver-in-north-carolina\/#Question1"},{"@type":"Question","name":"What Happens If My Friend Doesn\u2019t Carry Their Own Insurance?","acceptedAnswer":{"@id":"https:\/\/www.jdwarlick.com\/blog\/does-insurance-follow-the-car-or-the-driver-in-north-carolina\/#Answer3"},"@id":"https:\/\/www.jdwarlick.com\/blog\/does-insurance-follow-the-car-or-the-driver-in-north-carolina\/#Question3"}],"@id":"https:\/\/www.jdwarlick.com\/blog\/does-insurance-follow-the-car-or-the-driver-in-north-carolina\/#FAQPage"},{"@context":"http:\/\/schema.org","@type":"Question","acceptedAnswer":{"@id":"https:\/\/www.jdwarlick.com\/blog\/does-insurance-follow-the-car-or-the-driver-in-north-carolina\/#Answer2"},"name":"If My Friend Causes an Accident in My Car, Will I Need to Use My MedPay?","@id":"https:\/\/www.jdwarlick.com\/blog\/does-insurance-follow-the-car-or-the-driver-in-north-carolina\/#Question2"},{"@context":"http:\/\/schema.org","@type":"Question","name":"If My Friend Causes an Accident in My Car, Will I Need to Use My MedPay?","@id":"https:\/\/www.jdwarlick.com\/blog\/does-insurance-follow-the-car-or-the-driver-in-north-carolina\/#Thing"}],{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.jdwarlick.com\/blog\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Does Insurance Follow the Car or the Driver in North Carolina?","item":"https:\/\/www.jdwarlick.com\/blog\/does-insurance-follow-the-car-or-the-driver-in-north-carolina\/#breadcrumbitem"}]}]