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Can someone not on my insurance drive my car?

Michael Agruss

Written and Reviewed by Michael Agruss

  • Managing Partner and Personal Injury Lawyer at Mike Agruss Law.
  • Over 20 years of experience in Personal Injury.
  • Over 8000+ consumer rights cases settled.
  • Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.
In Illinois, the insurance normally follows the car instead of the driver. This means those permissible to drive will be covered by the owner’s auto insurance. However, the non-owner’s coverage relies on their authorized use of the car.

Most insurance carriers will cover drivers aside from the owner as long as they are listed under the policy or were given permission to use the vehicle. But, when a family member or a friend uses the vehicle without consent, they may be held liable for damages incurred. This is provided that they have insurance and the owner proves that permission was not given.

If the car was stolen and was involved in a crash, the owner will not be held accountable for the damages to the other car involved. However, you will have to file for claims for repairs to your vehicle.

We see you as a person, not just a client – and that makes us better at what we do. We listen. We learn your story. And, as we help you get the money you deserve, we go above and beyond in a way most law firms never could and never would. Because we’re not just lawyers. And you’re not just a client. We’re friends, neighbors, family. We’re all people and here at Mike Agruss Law, we put people first.
A lot of personal injury lawyers raise their contingency fee throughout the process, charging 1/3 if the case is settled pre-suit, charging 40% if the case is filed after a lawsuit is filed, and charging 50% if the case goes to trial. We don’t. At Mike Agruss Law, our personal injury contingency fee is always 1/3 and that’s not changing. We will handle your property damage claim FOR FREE. We will never change our contingency fee throughout the process. You will not owe us a penny unless you get money. Our unique formula has earned us over 1,000 outstanding client reviews on our website, an A+ BBB rating, and over 145 five-star reviews on Google. Call 888-572-0176, e-mail us at [email protected] or schedule a meeting with us here. We’re here 24/7.

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