It is not uncommon for a friend to let you borrow their car if you are in need. However, before getting behind the wheel, it is important to make sure that you are covered by their auto insurance policy to ensure that you are protected from any unfortunate situation on the road.
In most situations, the auto insurance policy of the owner of the vehicle will provide enough protection when you borrow the car, as long as you have permission. If you also have your own auto insurance policy, it would act as secondary coverage, in case your friend’s policy does not provide enough coverage.
It is important to keep in mind that only the owner of the vehicle can give permission to use the vehicle. If you let your child borrow the car, and they give one of their friend’s permission, the friend will not have any coverage. The auto insurance policy will also not provide coverage if the vehicle is used for criminal activity, or in a negligent manner, or if you are using the vehicle for business purposes.
If you plan on using the vehicle on a regular basis, it is important to make sure your name is added to the policy. The policy holder can add another driver onto the policy with a “named non-owner coverage” endorsement, which will provide property damage liability, bodily injury liability, uninsured motorist coverage, and more.
To ensure that you are covered when you let a friend borrow your vehicle, make sure to ask your insurance agent.
For all of your auto insurance needs throughout Arizona, contact Aimpro Insurance in Phoenix. As an independent insurance agency, we will work with you to help make sure that you have the right amount of coverage to ensure that you are covered from any unfortunate situation while on the road.