If I Drive My Friends Car Am I Covered?

In short, it depends. Your car insurance coverage on your own policy will kick in if you get into an accident or your friends coverage on his policy can be used as well. In addition, if the coverage on your policy is not enough to cover a liability claim, the remainder can be taken from your friend’s liability coverage.

A few things to note are that you can’t live in the same household as your friend and you must have permission from him to drive his car. As long as you don’t live in the same house and received permission to drive his vehicle you are will be covered on their policy (as well as your own if you have car insurance).

Why can’t you live in the same household? Because usually during the underwriting process your insurance company will verify any drivers in your household by asking for their insurance policy numbers as well as who they are insured with. If it is found later on that you withheld this information as a driver in your household was involved in an accident using your car, they may deny your claim -leaving you on the hook for the repairs and your own as well as the third party’s medical costs.

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