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Q

If someone borrows my car, are they covered under my auto insurance?


A

In general, auto insurance coverage actually follows the vehicle, not the driver.

If your car is involved in an accident, the car typically receives the full coverage provided by the auto insurance policy, regardless of who is driving. Some factors could affect the coverage:

  • Did you give permission?
  • Does the policy have an exclusion for that driver?
  • Are there other policy exclusions that exist on the policy that would disallow coverage?

Comment Updated: Some insurance companies raise your rates if it is involved in an accident and they pay a claim for your vehicle, regardless of the causes of the accident.

Update: Insurance coverage typically follows the car, but a ticket is charged to a driver.

There are many circumstances where your personal auto insurance policy is primary when you are driving another vehicle. For example, in Florida if you are driving another vehicle and you are injured (regardless of fault). Your PIP would be primary. There are many other examples, so please read our related questions or search our answers for an answer specific to your question.

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7 Responses to "If someone borrows my car, are they covered under my auto insurance?"
  1. robert

    If I wrecked my car and have a lien on it but I was going to let it go back to the lienholder, do I have to fix it or can I keep the check from the insurance company? I am also filing bankruptcy.

      Reply»  
  2. Atul Bhosale

    So I am covered under my auto policy if I loan my car to someone who is licensed but uninsured? Good.

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  3. Anonymous

    In my state the law that is posted on the insurance commissioners web page states that everyone that borrows my car is covered by my insurance. I don't know when auto insurances started insuring people and not vehicles. If two people have to insure the same car why can't both people file claims when the car is damaged? Insurance companies are just modern day gangsters. People keep saying get Government out of our lives, we need to say get big business out of our Government.

      Reply»  
  4. Anonymous

    N/A

      Reply»  
  5. Anonymous

    I let my sons girlfriend borrow my car and she got backed into TWICE while driving it. As such, the standards of fault dictate she was not at fault either time. However, my insurance carrier is trying to tell me I have to add her (shes 25 and does not live in my household) as an operator to my policy. We live in MA. I have never heard of such a thing and didnt think that was possible. Ive worked in insurance for 23 years but its been 15 since I worked at the agency level so I wasnt 100% sure if something had changed. I always told my insureds that with permission others could operate your vehicle. True, carriers get twitchy about it, but the insuring agreement states you pay the premium, we pay the claim. In Mass you are supposed to only add LICENSED operators residing in your home. Now this claims adjuster is threatening not to pay future claims if my sons girlfriend drives the car again unless she is on my policy! I found that interesting and impossible to do.

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  6. Anonymous

    How is this true? I got a ticket in a car I didn't own, and was not on the policy for and it went to MY insurance, not the vehicles...

      Reply»  
  7. Anonymous

    you didnt tell if the insurance rate would go up higher than if the vehicle owner was driving.

      Reply»