“Can I borrow your car?” is a phrase that might cause an immediately stressed reaction for some people. Parents who hear the question may wonder if their children are really responsible enough to drive the family vehicle with the utmost caution and care. Friends who hear the question might instinctively wonder what happened to the person’s car and why they need to borrow one. Cautious people may wonder whether or not it’s even legally allowed. Well, good news and bad news: in most circumstances, licensed drivers are typically allowed to borrow vehicles. Insurance coverage, however, may vary.
Generally speaking, if someone can legally drive a car, he or she can legally borrow your car with your permission. In most circumstances, your insurance policy will cover the person borrowing your car in the event of a collision. There are some common exclusions for insurance coverage when it comes to borrowed vehicles. Insurance coverage may disappear if your car is consistently being borrowed, in which case the borrower should be added to your insurance policy instead. It may also not be allowed if your friend is borrowing your car for the purpose of functioning as an Uber, Lyft, or for other business purposes. Coverage could be denied if the borrower uses your car negligently or in the commission of a crime. Coverage could also be denied if someone other than the borrower with permission is driving the vehicle, even if the borrower is in the passenger seat.
It’s important to be aware that there is no definitive answer for the question “Can I borrow your car?” Always verify insurance coverage prior to loaning out your vehicle or borrowing someone else’s. In the event of a car accident, having valid insurance is one of the most important things for both vehicle owner and vehicle borrower. If you have been involved injured in a car accident, contact the auto accident attorneys at the Law Offices of Scott Warmuth today at 888-517-9888.