A friend received a DUI ticket while using my car. I want to see if the event affects my car insurance by getting instant car insurance quotes. Will it affect my future car insurance premiums? How can I get a lower rate on DUI insurance without getting a carrier I have never heard of before and that might not pay a claim?

Gabrielle

Fayette, KY

When a driver gets a DUI ticket while driving your car, the ticket will be issued under the driver’s name not to your car. If your friend gets pulled over, for example, for any traffic violation, and the officer perceives intoxication, then the citation would go to the record of the driver and would affect your friend’s insurance. It should not affect your car insurance.

However, if your friend met an accident while driving your car, then the damage and medical cost claims would come from your insurance. Car insurance follows the car first then driver next when claims are made. This means that if there is any damage, you car insurance would be primary. Any amount over and above what your car insurance could afford, your friend’s car insurance will take over. Responsibility over the matter rests explicitly both on you and your driver friend’s hands. Thus, I would advise you to be careful next time with who you allow to borrow and drive your car.

If by getting instant car insurance quotes, you’d get reassurance that everything would be fine, then go ahead. But there is really no cause for worry as long as no one is hurt and there are no damages made on property.