How does car insurance work when you're driving someone else's car?

I want to drive a friend's car. They have insurance, but I don't. If I get into a crash, what will happen?

Answer
Car insurance generally covers the vehicle, not the driver. As long as your friend has insurance and you have their permission to operate the vehicle, you’ll likely be covered by your friend’s policy.
Your friend’s liability coverage may cover other people’s injuries and property damage.
If they have collision coverage, this may pay for repairs to your friend’s car.
If you’re injured, your friend’s medical payments coverage may help pay for your medical bills.
avatar
Carol Chung
Answered on Apr 12, 2021
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free