Does Auto Insurance Cover a Driver Who Borrowed the Car?

Car insurance can be tricky to get the hang of, with one of the most common questions of policy holders being whether or not their car insurance is going to cover someone borrowing their car.

Lending Out the Car

There are going to be times when you need to borrow your friend’s car, or vice versa, and in this case it is often wondered whether the person driving the car would be covered, even though they are borrowing the car and do not own it or have insurance on that automobile. Although the details vary from one state to another, the basics tend to remain the same, and it actually all depends on the particular situation as to whether or not a person is covered when they are driving a borrowed vehicle.

Different Scenarios

If a person were to borrow a friend or family member’s car, to run an errand or for other use, as long as it were agreed that this person were allowed to borrow the vehicle, it would be the owner of the car who would be liable. In other words, if you borrowed your friend’s car and you ended up getting in an accident, it would be your friend and not you who would be liable for the vehicle. This is why it is so important to be cautious and careful with that you lend your vehicle to.
When someone steals a car, of course this is without permission of the owner, and in this case the owner would absolutely not be liable for any damage that may be caused to the vehicle. The damage would be covered by your own collision, and any other damages or issues that may have taken place will fall on the head of the car thief.
To avoid dealing with this sort of situation as best as possible, make sure that you lock your car doors every time you are exiting the vehicle, and also be smart with where you park your car and having a working car alarm is a wise idea.

Do the Research

Anyone who is curious to know more on the topic of who is covered by car insurance and when, needs to take the time to do a bit of research. Each state has different car insurance rules and regulations, and it also varies from one car insurance company to the next. Contact your carrier and ask them any questions that you may have pertaining to this or other issues, and you are going to get the answers that you need and feel much more at ease.

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