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

My sister and I are going on a weekend road trip. We will be driving her car since it is nicer. We both have insurance, but what if I wreck her car when it is my turn to drive? Will my insurance fix her car?

Answer provided by
Shannon Martin
Answered on May 06, 2021
“A road trip is a great time to bond with family; I hope you have a great time!
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 there is an accident and she has collision coverage, her car will be fixed after she pays her deductible.
Hypothetically, if you are driving and cause an accident where you are found at fault, and the liability coverage on your sister’s policy is exhausted, this is when your policy would kick in as extra coverage. “

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