Picture this:
It’s your first day at a new company. You wake up in the morning, excited and ready to take on a new adventure! You get dressed, eat breakfast, and walk out the door with your keys in hand as you stride confidently to your vehicle. You get in, adjust the mirrors just a tad, and turn the key. Your worst nightmare comes to fruition as you realize, after many attempts, that your car is not going to start!
What could be worse on your first day on the job?!
You quickly pull out your phone to call a friend who lives nearby to ask if they would be willing to lend you their car for a day. But before you dial their number, you think to yourself…
Will my insurance company cover me if I’m driving my friend’s vehicle? What about my friend’s insurance?
The short answer to that stress-inducing question is YES!
However, before you get into the driver’s seat of your friend’s car, you need to make sure that the vehicle is adequately insured.
Remember: the insurance always follows the car! That means that the driver’s insurance coverage will be secondary, and the owner of the vehicle’s coverage will be primary. The driver’s insurance coverage will only come into play if the limits on the owner’s insurance coverage have been exhausted.
Now, if you are driving your friend’s vehicle consistently, and it is not just occasionally, you might want to have a conversation with this friend and make sure they don’t need to add you to their auto policy as an insured driver.
If you have any questions regarding this topic, or would like to schedule an insurance review, give Clevenger Insurance a call today at 574-267-2181.
