Car Insurance Look

A lot of drivers do not know what might happen if they have an accident while driving someone else’s car, or if they are in someone else’s car when an accident occurs.

In general, your insurance will typically cover you, yourself, on a secondary basis; it covers your vehicle on the primary one. So typically, if you are in someone else’s vehicle, the insurance belonging to the vehicle’s owner will take care of everything. Your company and coverage will pick up anything else. The reverse is also true, if someone else is driving your car.

However, if someone else has an accident in your vehicle, your insurance rates may well increase — such as if the person borrowing your car is found at fault.

If you live with someone and they frequently use your vehicle, and they frequently use yours, you may need to have give permission to make sure each of you is covered.