I got a speeding ticket in someone else’s car… will their insurance rate be impacted?

Should my friend expect to see an increase in her car insurance rates because of this incident? I borrowed my friend's car to run some errands and ended up getting pulled over for speeding.

“In most situations, car insurance follows the driver, not the vehicle being used.
In other words, your friend would be responsible for paying the fee of the ticket and your insurance policy would not face any rate increases or points being placed on your license.
However, insurance laws vary state-to-state, meaning that there are no universal laws you can refer back to in most car situations. That’s why it is always important to revisit your policy before you take action to see how your insurance could potentially be affected.”
Gracie Hanson
Answered on Jul 23, 2021
Gracie Hanson is a content intern at Jerry. Currently, she is pursuing a Bachelor's Degree in Communication with a minor in Media Studies at the University of Colorado Boulder. In her spare time, she enjoys listening to music, trying new foods, and road-tripping around Colorado in her Acura TL.

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