Best Rules for Borrowing Someone Else’s Car

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Written By kevin

A financial strategist with a knack for demystifying taxes and insurance, Kevin distills complex concepts into actionable advice.

As a driver, you may occasionally find yourself behind the wheel of someone else’s car. But what happens if you get into an accident? Will their insurance policy cover any damages or injuries that occur? Here is what you need to know about driving someone else’s car and insurance coverage.

Driving Someone Else's Car: Is it Covered by Their Insurance?Driving Someone Else's Car: Is it Covered by Their Insurance?

Understanding Insurance Coverage

When it comes to auto insurance coverage, there are two main types: liability and comprehensive/collision. Liability coverage typically pays for damages that you cause to other people or vehicles in an accident. Comprehensive/collision coverage, on the other hand, pays for damages to your own vehicle.

If you are driving someone else’s car and get into an accident, the first thing to consider is whose insurance policy will cover the damages. Here are some factors that can come into play:

  • The owner of the vehicle’s insurance policy
  • Your own auto insurance policy (if applicable)
  • The at-fault driver’s insurance policy (if they were involved in the accident)

To determine which party is responsible for paying out claims in an accident involving a borrowed vehicle, insurers will often look at who was at fault for causing the crash.

Coverage from Owner’s Policy

In many cases, when you borrow another person’s car whatever auto-insurance they have should also accommodate operating with others’ permission through non-owned-car provisions included within their liability policies.

  • Check with owner: Before borrowing a friend or family member’s car—always make sure he/she has adequate Auto limits included under their liability portion of his/her personal automobile-insurance policies.

Don’t count too much on “permissive use” clauses:: Though “permissive use” clauses automatically provide drivers’ same protection granted to owners since many states apply “joint-and-several” laws and lawyers tend not sue mulitple parties– including owners/drivers alike-this leaves insurers little incentive always invoking such coverage willingly.

  • Consider additional insurance: Even if the owner of the vehicle’s policy provides coverage when another person drives their car, owners should consider purchasing extra coverage to avoid being held liable for damages or injuries that exceed the limits of their policy.

Your Own Auto Insurance

If you have your own auto insurance policy, there is a chance that it may provide some level of coverage when driving other people’s cars. This is likely to be limited to liability-only coverage, and only apply in situations where you are not otherwise insured.

It’s important to note that while some policies may extend liability coverage under these circumstances, they will often exclude any physical damage to the borrowed vehicle itself.


Driving someone else’s car can be a convenient option in certain situations but it’s important to understand how insurance coverage works before getting behind the wheel. Always check with the owner of the vehicle regarding their auto insurance policy and its provisions for permissive use or consider purchasing additional coverages yourself. Be sure you are adequately protected by either their policy or your own so as avoid unexpected financial loss in event an accident occurs during such a drive!


Q: If I borrow my friend’s car and get into an accident, will their insurance cover the damages?
A: In most cases, yes. The main factor that determines coverage is the type of insurance policy that your friend has for their vehicle. If they have comprehensive or collision coverage, this typically extends to other drivers who are authorized to use the vehicle with permission from the owner.

Q: Can I drive someone else’s car without insurance?
A: Technically, you can legally drive someone else’s car without having your own insurance policy as long as you have permission from the owner and they have adequate coverage on their policy. However, keep in mind that if you get into an accident while driving another person’s vehicle and damage occurs, it could be expensive to repair or replace and may result in legal action being taken against you.

Q: What happens if I get into a crash while driving someone else’s uninsured car?
A: If you are involved in an accident while driving someone else’s uninsured car, both you and the owner of the vehicle would likely be held financially responsible for any resulting damages or injuries sustained by others involved in the accident. This could mean having to pay out-of-pocket for repairs or medical expenses which can be quite costly depending on how severe the damage is or extent of injuries sustained by anyone involved in an incident where liability arises because of unsafe road conditions or factors beyond either driver’s control.


**H3: Can I drive my friend’s car with just their insurance?**
Answer: It depends on your friend’s insurance policy. Some policies cover only the named driver, so check before borrowing.

**H3: What happens if I get into an accident with a friend’s car?**
Answer: The responsibility falls on both you and your friend. Contact their insurer and yours to figure out the next steps.

**H3: How can I minimize risks while borrowing a friend’s car?**
Answer: Ensure your friend’s insurance covers you, wear a seatbelt, avoid risky behaviors, and follow traffic rules to stay safe