{"id":2575,"date":"2022-11-23T05:29:32","date_gmt":"2022-11-23T11:29:32","guid":{"rendered":"https:\/\/going-places.thegeneral.com\/do-you-need-insurance-to-drive-someone-elses-car\/"},"modified":"2025-08-27T10:04:32","modified_gmt":"2025-08-27T15:04:32","slug":"do-you-need-insurance-to-drive-someone-elses-car","status":"publish","type":"post","link":"https:\/\/www.thegeneral.com\/going-places\/blog\/car-insurance\/do-you-need-insurance-to-drive-someone-elses-car\/","title":{"rendered":"Do You Need Insurance to Drive Someone Else&#8217;s Car?"},"content":{"rendered":"\n<p><span data-contrast=\"none\">If you\u2019ve needed to borrow a friend\u2019s vehicle, you\u2019ve probably wondered if their insurance policy covers you. Depending on your state and the terms of the policy, you could be covered under the car owner\u2019s insurance policy if they have <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/what-is-comprehensive-car-insurance\/\"><span data-contrast=\"none\">comprehensive insurance<\/span><\/a><span data-contrast=\"none\">. But if you find yourself borrowing a car frequently, you might want to acquire your own policy so you can drive others\u2019 vehicles with confidence. Learn what type of insurance you need if you find yourself frequently borrowing someone else\u2019s car.&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-does-insurance-follow-the-car-or-the-driver\"><b><span data-contrast=\"none\">Does Insurance Follow the Car or the Driver?<\/span><\/b><\/h2>\n\n\n\n<p><span data-contrast=\"none\">Most full coverage\u202fauto insurance\u202fpolicies are written to follow the vehicle instead of the driver, so if you\u2019re borrowing someone else\u2019s fully insured car, you\u2019ll likely be covered under their insurance. However, what is covered under their policy will vary depending on what type of insurance they have.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">If you have insurance on a vehicle of your own and borrow someone else\u2019s vehicle, some elements of your insurance might extend to the borrowed vehicle\u2014check your policy.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-about-liability-coverage\"><b><span data-contrast=\"none\">What About Liability Coverage?<\/span><\/b><\/h2>\n\n\n\n<p><span data-contrast=\"none\">If you have car insurance and drive someone else\u2019s vehicle, it\u2019s common for\u202f<\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/what-is-liability-car-insurance\/\"><span data-contrast=\"none\">liability insurance<\/span><\/a><span data-contrast=\"none\">\u202fto pay for claims that occur in vehicles you don\u2019t own up to the policy limits. If you have standard insurance, then your liability insurance will usually protect you to a certain extent if you get into an accident in an uninsured borrowed car, or if the driver of the other vehicle attempts to sue you.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">If you\u2019re not personally insured and borrow a vehicle that has liability coverage, you might be covered under their policy if you\u2019re temporarily driving the vehicle with permission.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-about-physical-damage-to-the-borrowed-car\"><b><span data-contrast=\"none\">What About Physical Damage to the Borrowed Car?<\/span><\/b><\/h2>\n\n\n\n<p><span data-contrast=\"none\">If you\u2019re an insured driver borrowing someone else\u2019s car, damage to the car will potentially be covered by insurance if the vehicle qualifies as a temporary substitute for your car. Depending on your policy, you and the car likely need to meet, at a minimum, the following definition and requirements of a temporary substitute auto to be covered by your <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/do-i-need-comprehensive-collision\/\"><span data-contrast=\"none\">collision and comprehensive insurance<\/span><\/a><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">A \u201cTemporary substitute auto\u201d means an auto that is a substitute for a covered auto while that covered auto is not in use due to breakdown, servicing, repair, loss, or destruction. Substitute autos are:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><span data-contrast=\"none\">Rented by you or an insured driver under a written contract from a business engaged in renting motor vehicles<\/span><span data-contrast=\"none\">;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Used with the express permission of the owner of that auto and within the scope of that permission<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Not owned by you, a family member, or any insured driver.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">\u00a0<\/span><\/li>\n<\/ol>\n\n\n\n<p><span data-contrast=\"none\">An auto ceases to be a \u201ctemporary substitute auto\u201d when the first of the below happens:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><span data-contrast=\"none\">The covered auto it was replacing is repaired, restored to service, or replaced<\/span><span data-contrast=\"none\">;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">The auto being rented is returned<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">30 days pass.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">\u00a0<\/span><\/li>\n<\/ol>\n\n\n\n<p><span data-contrast=\"none\">If you\u2019re uninsured and borrowing an insured vehicle, then the vehicle owner\u2019s insurance should cover property damages you incur while driving, but it depends on the language of the policy and the limits selected.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-i-f-you-re-borrowing-or-renting-someone-s-car\"><b><span data-contrast=\"none\">What I<\/span><\/b><b><span data-contrast=\"none\">f You\u2019re Borrowing or Renting Someone\u2019s Car?<\/span><\/b><\/h2>\n\n\n\n<p><b><span data-contrast=\"none\">\u202f<\/span><\/b><span data-contrast=\"none\">If you find yourself frequently borrowing or\u202f<\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/the-ins-and-outs-of-rental-car-insurance\/\"><span data-contrast=\"none\">renting a vehicle<\/span><\/a><span data-contrast=\"none\">, you might want to consider purchasing non-owner car insurance\u2014insurance meant for drivers who don\u2019t own a vehicle but still drive occasionally. Non-owner car insurance typically includes liability coverage, <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/uninsured-motorist-insurance\/\"><span data-contrast=\"none\">uninsured motorist protection<\/span><\/a><span data-contrast=\"none\">, and personal injury protection, but excludes collision and comprehensive coverage.<\/span><b><span data-contrast=\"none\">\u202f<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">\u00a0<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-if-you-re-lending-someone-else-your-car-nbsp\"><b><span data-contrast=\"none\">What If You\u2019re Lending Someone Else Your Car?<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/h2>\n\n\n\n<p><span data-contrast=\"none\">If you have comprehensive and collision coverage, then your insurance will typically follow your vehicle and extend coverage to whoever is driving your car with permission. Remember that a policy in your name means you\u2019ll be liable for the deductible and any additional fees the driver sustains in an accident.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-things-to-consider-when-lending-someone-else-your-car\"><b><span data-contrast=\"none\">Things to Consider When Lending Someone Else Your Car<\/span><\/b><\/h2>\n\n\n\n<p><span data-contrast=\"none\">If you\u2019re lending your car to someone regularly, you should notify your\u202f<\/span><a href=\"https:\/\/www.thegeneral.com\/\"><span data-contrast=\"none\">insurance carrier<\/span><\/a><span data-contrast=\"none\">\u202fto see if any restrictions apply to your coverage. Your insurance company will want the name and driving history of whoever\u2019s borrowing your car. If the borrower has a\u202f<\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/bad-driving-record-insurance\/\"><span data-contrast=\"none\">poor driving record<\/span><\/a><span data-contrast=\"none\">, there is a chance your premium could increase, or your insurer could deny them coverage.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">If you\u2019re looking for quality insurance coverage of your own, join the millions of drivers that are happily insured with The General. Get a <\/span><a href=\"https:\/\/www.thegeneral.com\/quote\/\"><span data-contrast=\"none\">free car insurance quote<\/span><\/a><span data-contrast=\"none\"> in under two minutes or read more about <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/category\/car-insurance\/\"><span data-contrast=\"none\">car insurance 101<\/span><\/a><span data-contrast=\"none\"> on our blog.&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn if you need insurance to drive someone else\u2019s car with The General. The General has answers to your questions about insurance for borrowed cars.<\/p>\n","protected":false},"author":7,"featured_media":2576,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[31],"tags":[],"class_list":["post-2575","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Do You Need Insurance to Drive Someone Else\u2019s Car? | The General<\/title>\n<meta name=\"description\" content=\"Learn if you need insurance to drive someone else\u2019s car with The General. 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