If someone borrows my car, Will they be covered under my insurance policy?

Generally speaking – yes. Most insurance coverage is connected directly to the car, so if someone else borrows your car occasionally, he or she should be covered under your policy. That being said, it is important to realize that your insurance company bases your premium not only on your car, but on the “primary” driver of that car – you. If someone else starts driving your car more than you do, contact your carrier and have them added to your policy. If your insurer finds out that you are no longer the primary driver, they may claim that you provided false information on your application and deny your claims.

Borrowing someone else’s car. When you borrow someone else’s car and are involved in an accident, his or her insurance will kick in first. However, beware of driving someone’s car if he or she has little or no insurance as your policy could be triggered once their limits are exhausted.

Contact your carrier. Never assume that you’re covered. It is always best to contact your carrier if you have doubts about your coverage or the rules of your policy pertaining to those that borrow your car. For information about auto insurance and the law, check out our FreeAdvice Auto Insurance FAQs.