man driving a car

The insurance implications behind driving someone else’s vehicle.

Occasionally, you may need to borrow your friend’s/roommate’s/neighbor’s/relative’s vehicle to run an errand or otherwise. While you may think nothing of driving down the road to the supermarket, it’s important to ensure that you are covered by auto insurance. Many people haven’t thought about this factor even when they are behind the wheel of someone else’s vehicle. Before you borrow someone’s car, make sure you understand how auto insurance coverage works in this situation.


Typically, when you borrow a car, you borrow car insurance, too. Insurance typically follows the vehicle, not the driver. That means if you’re involved in an accident while driving someone else’s car who is not on your insurance policy, the owner of the car will probably be held responsible for any financial damages. In fact, the car’s owner may even be responsible for the deductible.


Before you borrow a car, it’s important to know any insurance limits that may apply. In some cases, the car owner’s insurance may not provide coverage or it may provide coverage lower than the owner’s selected limits. Typically, the owner’s policy will generally cover someone who borrows a car with permission, there are some instances where it may not. If you:

  • frequently borrow the car
  • use the car for business purposes

the car policy is unlikely to cover you. Insurance policies typically feature what’s called the permissive driver clause that allows a car’s owner to occasionally lend the vehicle to someone and still have the owner’s insurance apply. If any of the above situations apply to you, you may need to secure additional coverage before you borrow the car.


Make sure that you have the right car insurance coverage in place. Talk to the team of professionals at Sausman Insurance Agency for help finding the right rate and coverage to suit your needs. We serve Mifflintown, Millersburg, Lewistown, and beyond with quality auto insurance coverage.