Question

If my friend damaged my car while repairing it, will my insurance cover it?

My friend borrowed my car and lost my keys. Rather than letting me know about the keys, he decided to attempt to pull the ignition in the vehicle. Now my car doesn't work and I need it for school. Will my insurance company cover the repair?

Feb 16, 2017 Texas City, TX

Answer
Neil Richardson

Feb 16, 2017

Your friend is ultimately liable for the damage that he caused to your vehicle. It is possible that your insurance company will cover the repair, assuming you have comprehensive and collision coverage on your policy, but they will go after your friend to recover what they paid for the claim. I would recommend getting a repair estimate first to see if your friend is willing to pay out of pocket. If not, you will need to contact your insurance provider and inquire about filing a claim for the damage.

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