Yes, standard auto insurance policies generally cover someone else borrowing your car, because standard vehicle insurance in North America traditionally follows the vehicle rather than the individual driver. If you lend your car to a friend or family member with your explicit permission and they get into an accident, your auto insurance policy acts as the primary coverage for vehicle repairs and third-party liabilities. However, if the borrower drives your car frequently or lives in your household without being listed as an insured driver on your policy, the insurer may deny the claim or penalize your coverage terms.
1 votes
Marked as accepted