If someone who isn’t on your insurance crashes your car, typically your insurance policy will still provide coverage for the accident, as long as the driver had your permission to use the vehicle. Insurance generally follows the car rather than the driver in most cases. However, it’s crucial to report the accident to your insurance company immediately. Depending on the specifics of your policy and the circumstances of the crash, you may face increased premiums or policy adjustments. If the driver is found to be at fault and their own insurance is insufficient, your insurance might cover the damages. It’s essential to review your policy to understand the extent of coverage in such situations and to ensure compliance with reporting requirements to avoid potential issues with claims.