Driving Someone Else’s Car: Are you Covered?

Reader’s Question:

Am I covered if I drive my friend’s car. He has car insurance.

Dan

To begin with, in order to be covered in the usa, you have to be operating the car with the permission of its vehicle owner. If your home is in the car owner’s household, to become covered, you will have to be placed as a driver on the car owner’s insurance plan.

If you don’t live in the car owner’s household and you drive the car with any type of frequency, to become covered, you need to be named as a driver on the car owner’s scheme. If you don’t live in the car owner’s household, you don’t drive the car with any type of frequency, and you’re simply driving the car with permission, you ought to be covered to the degree the insurance provider permits in its underwriting guidelines.

Just before driving a person’s vehicle be sure the vehicle owner checks that you’re covered under their auto insurance policy. Should you have your personal insurance policy on your own cars this is secondary to the vehicle owner’s insurance coverage which may be primary when you’re operating their vehicle.