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If you borrow someone's car, whose automobile insurance covers the vehicle, theirs or yours? |
If you borrow someone's car, whose automobile insurance covers the vehicle, theirs or yours? The coverage is on the vehicle so it is the owner of the car's vehicle that covers an accident unless there is a clause in the insurance policy. Also be prepared to have rates go up if there is a claim made or possibly getting dropped... Have a GREAT day! Source(s): First hand expereince... big eye opener It depends what type of coverage they have, and if you have a valid divers licence. it depends on the insurance type basically. If it is comprehensively insured, the owner's insurance will cover the vehicle. The borrower's insurance never covers the vehicle. I am not sure what state you are in but In PA if you have insurance and drive someone else's insured vehicle and get into an accident, it is your insurance that will be covering the accident. You should really contact your insurance agency or contact your state office to find out insurance laws in your state. i live in the state of Ilinois and it just varies with our laws, our state says it is your responsibility when you borrow someone else's car to know whether it is insured or not, however in some cases the insurance you carry covers you in any vechicle you drive. You would just have to check with your insurance to see how your policy is written. my own experience |
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