Let’s say your best friend wants to run errands in your car for a few hours while theirs is being repaired.
On the one hand, they wouldn’t ask unless they really needed it, like if their cat ran out of food or needed a ride to work for their brother.
They, on the other hand, drive quickly and have been in a few car accidents.
Make sure you know how your insurance works if you let someone else drive your car before you hand over your keys. What happens if your friend causes a car accident in which another driver is injured?
What happens if they get ticketed? Before allowing anyone else to take the wheel of your vehicle, give the responses some thought. Before you drive someone else’s car, it’s also wise to be aware of these potential problems.
Depending on the policy, your insurance may cover any damage to your vehicle as well as the initial damages to other drivers or property if someone else is driving your vehicle and causes an accident.
Your insurance premium may rise if someone else drives your car and files a claim for an accident.
The other driver’s policy may cover some liability and possibly some medical expenses if your insurance does not cover the entire claim.
Before letting someone else borrow your car, check with your insurance provider to see what is covered because coverage varies by insurance company and state.
Before handing over the keys, inquire about your friend’s insurance coverage and whether they would be willing to contribute to the cost of any damage caused by an accident with your vehicle.
