Situations arise where you may need to drive a friend’s car on a temporary basis. Before you hop in the car, you will want to make sure that you are protected with the proper insurance coverage.
When you are driving a friend’s car, you are typically covered under their car insurance policy. This is because car insurance policies are typically based on the car and not the individual.
If you are planning on using a friend’s car, even for a few hours, it is important to make sure that you get in writing that you have permission to use the car. This will allow you to be covered under your friend’s auto insurance policy.
Just remember, that your coverage will only be what your friend’s policy includes. This means if your friend’s policy only includes liability coverage and not collision coverage, you will only have liability coverage.
In cases where you are driving a friend’s car for prolong periods of time, you may want to consider getting a blanket liability car insurance policy. This policy will serve as additional or supplemental coverage that will help cover any costs that may not be covered by your friend’s insurance policy.
Thinking of driving a friend’s car in the future? Make sure you have the proper coverage you need to protect yourself. Contact the Stromsoe Insurance Agency to discuss auto insurance policies that will protect you in the event of an accident.