If you let a friend borrow your car and he or she has an accident in it than the actual accident itself will go on the driving record of the driver, your friend. Since you were not operating the car at the time of the collision you should not have the accident listed on your driving record.

While a person using your car who in an accident will not affect your driving record it can affect your insurance rates in the future. Since your insurance would be primary for the accident, with the driver's being secondary if your limits were exceeded, then claims would go through your insurance policy and placed on your claims history. Having claims on your record can affect the premium amounts you will have to pay in the future.

Before loaning out your car to anyone you should first make sure you read through the terms of your insurance policy and you may also want to speak to your auto insurance agent to make sure others will be covered by your policy. Typically those you give permission to operate your vehicle are covered under your policy however some policies have exclusions that keep your policy from covering other drivers. Some policies have age restrictions, such as not covering those under the age of 25. It is wise to be aware of all of the terms of your policy so you are not surprised later by them when a claim is denied.

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