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What happens when I loan my car to someone? Is that person covered by my insurance policy? Am I still covered?
Yes. Liability and coverage for physical damage (i.e., comprehensive and collision) follows your car. So, if a friend borrows your car and has an accident, you're still protected against the cost of damages or injuries. Plus, if the driver of your car is insured, his/her policy may also be available to cover the cost of damages and injuries.
The same rules apply when you borrow someone else's vehicle. Your own insurance follows you no matter whose car you are driving. But the vehicle owner's policy is the key coverage if you have an accident.
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