The issue of how auto insurance coverage works when borrowing a friend’s car is one that many people are wondering about. The insurance coverage follows the car, not the driver in these situations. What that means to you is that as long as you have the owner’s permission to drive the car, you will be covered for any damages that you cause in an at-fault accident.
Borrowing a Friend’s Auto Insurance
Not all vehicle owners would feel comfortable lending their insurance to someone else, though, and you need to be prepared if your friend turns down your request. You will have a much better chance of convincing someone that you should be allowed to drive their car if you have a good driving record yourself.
If you have been involved in accident or have a number of moving violations on your record, a savvy car owner would be well advised to offer to drive you to wherever you need to go. At least that way, if an accident occurs the owner would be responsible for dealing with its aftermath.
Auto Insurance Coverage Following an Accident
When an auto accident occurs, an investigation is conducted to determine which driver was at fault. In a tort state for car insurance purposes, people who have been injured have the right to sue the at-fault driver for their injuries and lost wages. The at-fault driver’s insurance company will pay the claim, up to the limit the driver has in place. If the level of damages is higher than the coverage available, the at-fault driver would be responsible for paying the difference personally.
The insurance coverage on a vehicle involved in an at-fault accident is likely to increase when the policy comes up for renewal. If the accident was a serious one, where the insurance company had to pay out a significant amount for the damages caused, it may refuse to continue to provide coverage for him or her. At that point, getting auto insurance coverage may be challenging. Not all companies are willing to extend coverage to a driver who has been deemed as high risk for car insurance purposes.
Auto Insurance Coverage for Non-owners
If you want to borrow a friend’s car on a one-time basis and the friend is willing to lend you his or her insurance coverage, then that can be a workable solution. In a case where you are looking to use someone else’s car regularly, you may want to look at buying a non-owner’s car insurance policy.
A non-owner’s auto insurance policy will provide coverage for you if you are driving a friend’s car or decide to rent one from time to time. Rather than taking a chance when you are using someone else’s insurance policy, getting your own coverage can make good sense.
Before choosing a provider for a non-owner’s auto insurance policy, be sure to shop around and get quotes from different ones. The pricing can and will vary, depending on the company involved, but this is a viable option for people who are looking to drive a borrowed car.