It is not uncommon for the driver of a vehicle to not actually be the owner of the vehicle. For example, a person could borrow a friend or family member’s car and get into an accident. This can leave questions about liability for the incident. In the Commonwealth of Pennsylvania, car insurance typically follows the car.
In the event you let someone borrow your car, and if that driver gets into an accident, your insurance will likely be responsible for paying compensation. Of course, this will come back to whether or not you have no-fault insurance or full tort insurance.
If you have full tort insurance and the person you let bar your car was at fault for the incident, then your insurance coverage will pay for property damage and injury expenses of other parties involved in the incident.
You will not have to use your medical benefits coverage if another person caused an accident while driving your vehicle because this type of insurance follows the driver. In other words, if you have no-fault insurance, you will not have to pay the medical bills of the person driving your vehicle. Hopefully, the individual who caused the accident while driving your car carries no-fault insurance, and they will be able to turn to their own coverage.
It is always a risk to let someone else operate your vehicle. Before doing so, you need to make sure that you trust the driver, that they are properly licensed, and that they are not impaired while operating the car.