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Am I Covered If I Borrow Someone Else’s Car?

someone driving a vehicle

Insurance Follows the Car, Not the Driver

You ask to borrow a car. Your friend, roommate or family member graciously agrees and hands over the keys. Just as you’re backing out the driveway, you wonder to yourself if you’re insured if you borrow the car. Before you borrow someone’s vehicle, it’s a good idea to understand how your car insurance in Renton, WA works.

Generally, when you borrow a car, you borrow car insurance, too. Insurance typically follows the vehicle, not the driver. That means if you’re involved in an accident while driving someone else’s car who is not on your insurance policy, the owner of the car will probably be held responsible for any financial damages. In fact, the car’s owner may even be responsible for the deductible.

Before you borrow a car, it’s important to know any insurance limits that may apply. In some cases, the car owner’s insurance may not provide coverage or it may provide coverage lower than the owners selected limits. Typically, the owner’s policy will generally cover someone who borrows a car with permission, there are some instances where it may not. If you:

  • frequently borrow the car
  • are a member of the household
  • use the car for business purposes

the car policy is unlikely to cover you. Insurance policies typically feature what’s called the permissive driver clause that allows a car’s owner to occasionally lend the vehicle to someone and still have the owner’s insurance apply. If any of the above situations apply to you, you may need to secure additional coverage before you borrow the car.

Are you ready to find the right car insurance for your vehicle and needs? Contact the professionals at Humble & Davenport Insurance, serving Renton and neighboring cities of Washington for quality auto insurance coverage today.