There are times when you need a friend to run an errand for you, a co-worker may need to borrow your car to do company business, or a family member may need to borrow your vehicle.
Should you let someone borrow your car? And, if an accident does happen, will that person be covered under your insurance policy?
Life happens. There are times when you need a friend to run an errand for you, a co-worker may need to borrow your car to do company business, or a family member may need to borrow your vehicle. What do you do?
Lawyers.com, says “Generally, insurance coverage ‘follows the vehicle.’ As long as a driver has the vehicle owner’s permission to use it, the owner’s policy will provide coverage no matter who the driver is. Whether you’re lending or borrowing a car, the vehicle owner’s policy should cover injuries and property damages. “
There can always be exclusions within any policy. About.com brings out one example, “If a girlfriend you live with uses your car, she may not be covered if you did not list her on your insurance policy. On the other hand, if you live separately, she could use your car with your permission and be covered.”
It is always best to consult your independent insurance agent regarding specifics to your individual policy. These licensed professionals are qualified to help you make the right choices and clarify any confusion.
“The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any policies, nor does it provide any guarantees. You should read your specific policy for a complete description of coverage.”