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.
In this situation, your friend would have “”permissive use”” of your car. Anyone who has your permission to drive the car would be a covered driver.
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 would be to rent a vehicle for your road trip together. This way, you can both be listed on the rental car insurance
, and the payout for a potential accident would stem from the rental agency, not from your carrier. “