Auto insurance follows the vehicle
. So if your car is the one being driven on the road trip, it will be your
insurance that kicks in to provide coverage—no matter what kind of insurance your friend has.
If your friend does get his own car insurance policy, your policy will pay for the accident first, and then his policy will pay for any overages once your policy limits have been exhausted.
The only way to make sure your policy isn’t impacted—and your premium doesn’t go up in the event of an accident—would be to rent a vehicle for your road trip together
. This way, you can both be listed on the rental car insurance
, and you won’t have to file a claim with your
provider if something happens.