Will my insurance policy cover me when I borrow my sister’s car for a joint road trip?

Does car insurance cover driving someone else’s car? I’m going on a road trip with my sister for a weekend getaway. We decided to take her car because it is more spacious. We both have car insurance, but what if I wreck her car when it is my turn to drive?

“Insurance follows the car, not the driver, so as long as your sister has an active insurance policy, you are covered to drive her car.
If either of you is involved in an accident and she has collision coverage, damages will be covered, minus her deductible. And if—hypothetically—you are driving and cause an accident where you are found at fault and your sister’s liability coverage is exhausted from the damage incurred, your car insurance policy would kick in as extra coverage.
A weekend getaway sounds like fun and is a great way to bond with family! To ensure nothing ruins your trip, consider getting a roadside assistance membership.
If you’re looking for industry-leading roadside assistance at a great price, try Jerry. Get benefits like towing, lockout service, and a mechanics hotline and enjoy ultimate peace of mind.”
Shannon Martin
Answered on Sep 09, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

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