What happens if your girlfriend is driving your car and gets in an accident in Australia is that your car insurance will generally cover it because insurance follows the car. If she was driving with your permission and is licensed, your comprehensive insurance will cover damage to your car and damage she caused to other people's cars and property up to $20M. If you have Third Party Property Damage only, it will cover damage to others but not your car. Your Compulsory Third Party insurance covers personal injury to others regardless of driver. You as owner must lodge claim, provide her licence details, photos and details of accident, and pay excess, which includes standard excess $600 to $1,200 plus unlisted driver excess $400 to $1,200 if she is not listed as regular driver, and young driver excess if under 25, total could be $1,200 to $2,500. Your no-claim bonus will be affected, dropping from rating 1 with 60% discount to higher rating, increasing next year's premium. If your policy is restricted to listed drivers only like Bingle or Rollin and she was not listed, insurer may deny claim entirely and you and she will be personally liable for all costs, which could be $20,000 to $100,000+ if you hit luxury car or building. If she was not at fault and another driver hit her, you claim against at-fault driver's insurance for your car's damage. Ensure she is licensed, sober and has permission, and consider adding her as listed driver if she drives regularly.
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