Because car insurance generally follows the vehicle rather than the individual driver, if you give someone explicit permission to drive your car and they get into an accident, your personal auto insurance policy is typically the primary insurance invoked to cover damages and third-party liabilities. While this permissive use protects the driver, the resulting insurance claim is filed against your policy record. Consequently, you will likely experience increased insurance premiums at your next renewal, and the borrower may also see their personal driving record impacted.
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