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Even in a cut-and-dry case where an insured driver is on the policy and at fault, it can be difficult to get the payout you're entitled to. When a driver is not listed on the insurance policy, the insurer may dispute liability (or fault) because the person involved isn't covered.
Even if you were not in the accident, your insurance will usually cover the damages if your car was involved and you either: Gave the driver permission to operate your car. The driver was listed on your auto insurance policy.
The driver of a vehicle involved in an accident resulting in injury to or death of any person or property damage to an apparent extent of $500.00 or more shall immediately, by the quickest means of communication, give notice of such accident to the local police department if such accident occurs within a municipality.
If you own a car and permit someone else to drive it, you will generally be liable for any damages they cause.
Car insurance generally follows the car instead of the driver, so the car owner's insurance will cover the crash, even if someone else is driving.
Because most insurance coverage follows the insured vehicle and not the named policyholder, your insurance policy will likely cover their collision. However, if the driver in someone else's car caused the accident, that person will be liable for any resulting injuries and property damage.
Duty to Report - § 40-6-273 Any driver involved in an accident that resulted in an injury or death of a person (or property damage worth at least $500) must report the accident as quickly as possible to the local police department, county sheriff, or state patrol.