Question

If I borrow a car am I responsible for insurance?

My mother-in-law owns her car and I offered to pay the insurance for three months in order to borrow it. When the premium is next due, am I responsible?

Jul 23, 2021 Cumberland, MD

Answer
Ross Martin

Jul 23, 2021

In general, the insurance follows the car and not the driver. If you plan to continue driving the vehicle, insurance will of course need to be current.

If you are borrowing the car, it's important to make sure that you are added as a covered driver to the primary policy. If the policy is in your name, then the responsibility of payment will likely fall with you, but the owner of the vehicle may have issues with vehicle registration or lenders if the vehicle goes uninsured for even a short time. 

Ultimately, I would suggest discussing the situation with your mother-in-law to make sure that the car is properly covered and that payments are made on time.


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