Borrowing Your Friend’s Car – Are You Covered?

Borrowing Your Friend's Car - Are You Covered?

Borrowing a friend’s car to run an errand is not that unusual. However, before taking your friend’s car out for a spin, it is important to make sure that you are covered in case of an unfortunate accident while you are behind the wheel. Make sure to consider the following situations before borrowing any car for any reason.

  • Is this a reoccurring thing? If you only borrow your friends car once a month when you forget to put gas in your car, their auto insurance policy will probably provide the coverage needed to ensure that you are protected in any situation. Keep in mind that you will only be covered if your friend allows you to borrow their vehicle, not if you just take it without their permission.
  • How long will you be gone? If you are planning a road trip across the country, it is best that you take your own vehicle, since you will most likely not be covered under their auto insurance policy. The insurance company would consider you a regular user, and would require you to be added to the policy to get the protection needed. However, if you are only borrowing the car for a day or two, your friends policy should provide enough coverage.
  • What are you planning on doing with their vehicle? If you are using your friend’s car for business purposes, such as hauling equipment for a construction job, you will need to invest in a commercial auto insurance policy to ensure that you are covered in case of an accident.

Before you borrow your friend’s vehicle, it is best if you contact their auto insurance agent to see if you are covered. For all of your auto insurance needs throughout Texas to make sure that you are covered in any unfortunate situation, contact the insurance professionals at Global Financial & Insurance Services in Irving Texas.