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My Friend’s Car Insurance

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 10/19/2015

Does my friend’s car insurance cover an accident or does mine, if I am driving his car?

Question: I got into a car accident when I was driving my friend’s car, will the accident be paid for under my insurance or my friend’s car insurance?

Answer: Insurance coverage always follows the car and not the driver. So your friend’s car insurance will be picking up the tab for this car accident as you were driving his car. This also means that most likely his car insurance premium will also be going up thanks to you.

Which is a good reason NOT to let other people drive your vehicle.

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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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