Can I borrow someone's car and be insured if I don't own a car myself?

Question

I want to borrow my boyfriend's car, but, if something should happen to it while I am driving will I/the car be covered?

Answer 1

If you have a license and the car is fully insured (ask them if they have "full coverage"), then yes. No prob.

Answer 2

First of all, you need a valid drivers license to drive anyway, and in most states, this requires proof of insurance. I'm assumming that you have a drivers license, even though I don't know how. If you don't have a license, stay off the road.

Second, when a vehicle is borrowed with permission of the owner, any insurance taken out by the owner stays with the car. That's why it's called "auto insurance" and not "driver insurance". You can't get an auto policy without a car, and most states won't allow you to drive a car without an auto policy. As it's really the car and not the driver that is insured, if you lend someone your car, you are effectively lending them your insurance.

That being said, if this is more than an occasional thing, the insurance company will probably want to add you on to the policy as a named insured. Exactly what constitutes "occasional" is a judgment call left up to underwriters, but once a week is probably too much. Furthermore, most companies are very unconfortable adding non-resident non-relatives to a policy. It's a bad risk. If you're driving your boyfriend's car on a regular basis and have an accident, the insurance company can conceivably deny any claims that arise from an accident you cause. Be careful.

Finally, should you borrow the car with your boyfriend's permission, the policy will transfer exactly as it's written, with all types and levels of coverage exactly the same: liability, uninsured/underinsured, medical payments, comprehensive, collision, everything. Note that only medical payments will pay for injuries that you suffer and only collision will pay for damages that you do to the car. So verify with your boyfried exactly what he's got.

Answer 3

In California liability coverage follows the car, not the driver. I don't know of a state where the insurance follows the driver, although that's the way it should be if you think about it.

Answer 4

If you have his permission to be driving, then yes, his insurance covers you for liability. The car is covered regardless if he carries collision/comprehensive coverage.

Answer 5

I think you are fine as long as he has insurance on the car, you have a valid license, and he gave you permission to drive it. If you have an accident then his insurance should be responsible for it.

~Kyle

Also, I included a reference that seems to indicate that is correct.

Answer 6

Only if the owner of the car adds you to THEIR insurance. Otherwise, the answer is no.

Answer 7

The boyfriend has to go to the insurance agent and add you as an additional driver otherwise you are not covered. The cost to add you will cost him a little more money in premiums.

Answer 8

this is really a question for your boyfriends insurance company....but i know that some full coverage policies will if you are a female over 21 and you do not have the same address...but like i said it depends on the policy and the company!

Answer 9

usually the persons insurance will cover you, but i think that you have to be over 24...

Answer 10

Depends on his coverage. Call the inurance company first. You are very wise indeed to think of this first instead of waiting until AFTER soemthing happend.
Hats off to you!!!