What happens if someone else is driving my car and gets in an accident in Australia?

What happens if someone else is driving your car and gets in an accident in Australia depends on who was at fault and your insurance policy. Because Australian car insurance follows the car, not the driver, your insurance will generally cover the accident if the driver was using your car with your permission and is licensed. If the other person was at fault and caused damage to another car or property, your Third Party Property or Comprehensive insurance will cover damage to the other party up to $20M, and your insurer will handle the claim. If you have comprehensive, it will also cover damage to your own car. You as owner will be the claimant, you pay the excess, and your no-claim bonus will be affected, potentially moving from rating 1 to rating 3 or higher and increasing next year's premium. If the driver was unlisted and under 25, you will pay an additional unlisted young driver excess of $600 to $1,200. If your policy is restricted to listed drivers only, such as Bingle or Rollin, and the driver was not listed, your insurer may deny the claim entirely and you and the driver will be personally liable. For personal injury, your CTP insurance covers injuries to others regardless of who was driving your car. If the accident was not at fault and another driver hit your car while your friend was driving, you can claim against the at-fault driver's insurance for repairs. Always ensure anyone borrowing your car is licensed, sober and you have their full details for the claim form.