PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Does the gap insurance I purchased at the dealership provide coverage if my friend gets into an accident with my uninsured car?
My friend, who said they had their own car insurance, borrowed my uninsured car. They ended up getting into an at-fault accident and totaling my car. Turns out their own insurance expired, so they are uninsured as well. I have gap insurance; I'm wondering if it'll help me at all.
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“While your gap insurance won’t help in this situation, it can be beneficial to have alongside an insurance policy.
Gap insurance
pays for the difference between what you owe on your loan and the actual cash value of your car. However, it typically is a requirement that the vehicle is insured with full coverage. Most lenders want financed vehicles to carry comprehensive, collision, and liability insurance.
Car insurance
also normally follows the car, not the driver. Even if your friend was insured, your car would still be uninsured without any coverage for damages or accidents. It’s important to always have car insurance on your vehicle, even if you don’t drive it very often. Some insurance companies offer a low mileage or vehicle usage discount in addition to customizable coverage, so you can save on a policy while still being insured. “
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance for Your Car
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
