Gabriel Cole’s friend borrowed his car and got into an accident that caused both bodily injuries and property damage to the other driver; his car also had large cracks and dents to the front bumper. The accident happened in a college town in Easthampton, Massachusetts, a city situated on the southeastern edge of the Pioneer Valley.
In general, your auto insurance policy covers all the drivers in a household. The same thing is true for non-household members such as friends, roommates, etc., who borrow your vehicle once in a while. (Note: If a non-household relative or friend borrows your car regularly, you should list him or her on your policy. Failure to do so can lead to claim denial should an accident occur.)
Should your friend, whom insurers categorize under “permissive drivers,” should cause an accident, your insurance will kick in even though he or she has separate insurance. After all, car insurance follows the car, not the driver. Read more.