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Are You Covered While Borrowing A Car?

How many times have you hopped behind the wheel of your friend’s car without first familiarizing yourself with the particulars of your, and their auto insurance policy. Most people are unsure whether or not they are covered if they get in an accident while driving a car that is not theirs. The home improvement projects that people usually partake in during the fall season make this a great time to answer your questions about auto insurance.

  • Most auto insurance policies will cover the vehicle, not the driver.
  • If your friend has a comprehensive auto insurance policy, you should be covered while driving their car.
  • You must have permission from the driver to drive their vehicle.
  • If the owner of the car’s auto insurance is not comprehensive enough to cover the entire amount of the damage done in an accident, the borrower’s auto insurance will come into play as secondary coverage.
  • The borrower cannot allow anyone else to drive the car. If they do, the owner’s auto insurance policy will not cover any damage.
  • If you are going to lend your vehicle to someone for a long period of time, it would be smart to add them to your policy.

In conclusion, do not worry about coverage while using your friend’s vehicle for occasional errands! You will want to continue driving as safely as possible. Just make sure that your friend does indeed have an auto insurance policy!

For any additional questions regarding coverage in the form of auto, home, business, or life, then please contact Bell Black Insurance, located in Rexburg! Our certified insurance agents have been trained how to provide superb customer service while finding coverage that is perfectly tailored to fit the individual needs of each client.