Can a friend who is not insured drive your car?
However, permissive drivers will have reduced coverage in some states. If a friend or a family member has an accident and isn’t insured, then you will have to use your insurance. Unless you have expressly denied that driver permission to use your vehicle.
Can a car be stolen from a friend?
Ask a lawyer – it’s free! Just because you may have consented to loan the car initially, that doesn’t mean it can’t become stolen later. If your friend has kept the car well beyond the agreed upon loan period, it is now a stolen vehicle.
What happens when your friend is behind the wheel of your car?
It could be a family member who is already listed on your policy or simply a friend that you gave permission to drive. When a permissive driver is behind the wheel, your insurance is considered the primary insurance.
Who is responsible if your friend crashes your car?
“As a car owner, you are responsible (insurance wise) for anyone you allow to operate your vehicle,” says Penny Gusner, senior consumer analyst at Insure.com. “You can’t just say, ‘Not my problem’.” This also means that you (or your friend) will be paying your deductible and there is a possibility that your insurance rates will be headed up.
What happens if your friend drives your car without your permission?
Scenario No. 5: Your friend drives your car without your permission and crashes it. You’re not likely to be held accountable for the damages because your friend borrowed your vehicle without your knowledge. In this case, your friend’s insurance (assuming he or she has it) will kick in first.
Ask a lawyer – it’s free! Just because you may have consented to loan the car initially, that doesn’t mean it can’t become stolen later. If your friend has kept the car well beyond the agreed upon loan period, it is now a stolen vehicle.
“As a car owner, you are responsible (insurance wise) for anyone you allow to operate your vehicle,” says Penny Gusner, senior consumer analyst at Insure.com. “You can’t just say, ‘Not my problem’.” This also means that you (or your friend) will be paying your deductible and there is a possibility that your insurance rates will be headed up.
It could be a family member who is already listed on your policy or simply a friend that you gave permission to drive. When a permissive driver is behind the wheel, your insurance is considered the primary insurance.