Borrowed car coverage means that if someone else gets into an accident while driving your car, you’re covered the same as you would be if you were driving. That also means that if the driver is at fault, your rates may increase.
Does Insurance Follow the Car or the Driver?
Car insurance typically follows the car, not the driver. That means you’re liable for any accidents or damages someone causes while driving your car with your permission.
Does Insurance Cover Drivers Not on My Policy?
Most car insurance covers drivers not on your policy through a “permissive driver clause.” That clause states that the driver isn’t responsible for your damages; you are, so make sure you trust the person you’re lending your car to.