If I borrow a car am I responsible for insurance?

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.
Jul 22, 2021 Cumberland, MD

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How do I get insurance for making deliveries if I'm borrowing a car?

A non-owners insurance policy provides liability coverage for drivers who don't own a car. However, if the vehicles aren't insured and registered by your mother-in-law, you are still not going to be legal on Colorado roads.
Feb 10, 2020 Delta, CO

Coverage & Claims Eligibility

Does uninsured motorist coverage cover borrowed vehicles?

Sorry to hear about the accident. From my understanding of your situation, as long as you are a covered driver, his uninsured motorist coverage should apply to you.
Feb 5, 2020 Atlanta, GA

Car Insurance Costs

If someone else crashed my car and they were at fault does it affect my rate?

I'm sorry to hear about your situation. The good thing is that the driver is covered under your policy, assuming you gave them permission to drive the car.
Sep 25, 2019 Newburgh, NY

Coverage & Claims

If a large item falls from a truck and causes an accident, whose insurance will cover it?

This is a legal matter and I suggest talking further with your own attorney. Your insurance will not cover the claim since you only have liability insurance.
Jun 24, 2019 Brownsville, TX

Coverage & Claims

Who pays for ticket when you drive someone else's car

At the end of the day, the ticket will still need to be paid. It is great that you have insurance, which should've covered you in an accident.
Jul 27, 2018 South Coffeyville, OK

General Insurance

In Alabama, does the car insurance follow the driver or the car?

In my experience, it's always the rule that car insurance follows the vehicle, not the driver. So, although the person who hit your daughter wasn't the owner of the vehicle, their car insurance would still apply in this situation.
Jun 15, 2018 Auburn, AL

Coverage & Claims

Can I insure my friend's car that I borrow?

As your friend already has a policy for the vehicle, you do not need to get another policy. You can have your friend add you to his policy as a covered driver.
Mar 2, 2018 San Jose, California

Coverage & Claims

I borrowed my friend's car and caused $1,000 of damage

Typically, car insurance follows the vehicle (not the driver) so if you were to file a claim, it would be under your friend's insurance. However, I would exercise caution when considering filing claim.
Dec 16, 2017 Los Angeles, CA


Is my friend covered if they borrow my vehicle?

Generally speaking, a person who you give permission to drive your vehicle should be covered by the policy on the vehicle. It's called "permissive use" and is normally allowed with most companies.
Nov 23, 2017 Austin, TX

Eligibility General Insurance

Do adult children have to be added to a policy when occasionally driving a parent's car if they have their own policy?

They would only need to be listed as drivers if they live in your household and/or drive the truck on a "regular" basis. Most companies consider "regular" use as 12 times or more per year.
Jul 5, 2017 Denver, CO
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