Whether a friend is covered when borrowing your car depends heavily on your specific insurance policy terms and jurisdiction. In many regions, auto insurance "follows the car" rather than the driver, meaning that if you grant permissive use to a friend, your comprehensive and third-party liability policy acts as primary coverage during an accident. However, some policies explicitly exclude occasional drivers or enforce much higher deductibles for non-owner drivers. It is critical to verify whether your insurer requires secondary drivers to be explicitly named on the declarations page to avoid claim denials.
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