Borrowing cars

We'll show you how you're covered when you're both the borrower and the borrowee.

Let's get started!

Are you driving someone else’s car OR is someone else driving your car?

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Are you on their auto insurance policy?

(Most common if you live with them and are related)

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Is this person on your auto insurance policy?

(Most common if you live with them and are related)

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Do you have auto insurance?

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Does this person have auto insurance?

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Do you have auto insurance?

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Does this person have auto insurance?

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Do you both have auto insurance?

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Do you both have auto insurance?

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You're covered

Because you're listed on their policy, you officially have car insurance. Whatever coverages they selected apply to you (both for damages to their car and injuries/damages you cause if you hit someone else).

Next up: If you'd like to receive payment for the damages, contact their insurance company to file a claim.

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You both have separate insurance policies

Chances are, you're covered. But, which company will actually handle the claim and send payment for damages can vary based on the accident, damages, who is officially at fault, etc. Plus, coverages can vary at different insurance companies.

Next up: If you'd like to receive payment for the damages, then it's best to contact both insurance companies to simply discuss the details of the accident. Then you'll know whose insurance applies and which company to file the claim with.

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They have insurance, but you do not

There's not a straightforward answer, as this depends on if the car owner has permitted you to drive their car, the accident, damages, and who is officially at fault, etc. Plus, coverages can vary at different insurance companies.

Next up: If you'd like to receive payment for the damages, contact the car owner's insurance company to see how you're covered and file a claim.

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You have insurance, but the car owner does not

As long as you have permission to drive this car, then you should be covered. Your policy extends to this car and covers you the same way as if you were driving your car. Damages you cause to others' cars, property, or even injuries are covered. If you have collision, damages to the car are covered. Collision is an optional coverage, but most drivers do add it.

Next up: If you'd like to receive payment for the damages, contact your insurance company to file a claim.

See more on what collision insurance covers.

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No one has insurance

If you're not at fault in the accident, the at-fault driver's insurance should cover your damages. If you are at fault, then you're not covered and neither is the borrowee's car.

Next up: Get an auto insurance quote online, and get covered for future accidents.

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You both have separate insurance policies

Chances are, you're covered. But, which company will actually handle the claim and send payment for damages can vary based on the accident, damages, who is officially at fault, etc. Plus, coverages can vary at different insurance companies.

Next up: If you'd like to receive payment for the damages, then it's best to contact both insurance companies to simply discuss the details of the accident. Then you'll know whose insurance applies and which company to file the claim with.

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You have insurance, but the car owner does not

As long as you have permission to drive this car, then you should be covered. Your policy extends to this car and covers you the same way as if you were driving your car. Damages you cause to others' cars, property, or even injuries are covered. If you have collision, damages to the car are covered. Collision is an optional coverage, but most drivers do add it.

Next up: If you'd like to receive payment for the damages, contact your insurance company to file a claim.

See more on what collision insurance covers.

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You don't have insurance but the car owner does

As long as you have permission to drive this car, then you should be covered. Typically, their policy extends to cover you when driving their car. Damages you cause to others' cars, property, or even injuries are covered. If they have collision, damages to their car are covered. Collision is an optional coverage, but most drivers do add it.

Next up: If you'd like to receive payment for the damages, contact their insurance company to file a claim.

See more on what collision insurance covers.

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No one has insurance

If you're not at fault in the accident, the at-fault driver's insurance should cover your damages. If you are at fault, then you're not covered and neither is their car.

Next up: Get an auto insurance quote online, and get covered for future accidents.

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You're both covered

Because they're listed on your policy, they officially have car insurance. Whatever coverages you selected apply to them (both for damages to your car and injuries/damages they cause if they hit someone else).

Next up: If you'd like to receive payment for the damages, contact your insurance company to see how you're covered and file a claim.

Back
Start Over

You both have separate insurance policies

Chances are, they're covered. But, which company will actually handle the claim and send payment for damages can vary based on the accident, damages, who is officially at fault, etc. Plus, coverages can vary at different insurance companies.

Next up: If you'd like to receive payment for the damages, then it's best to contact both insurance companies to simply discuss the details of the accident. Then you'll know whose insurance applies and which company to file the claim with.

Back
Start Over

You have insurance, but they do not

There's not a straightforward answer, as this depends on if you've given permission for the other person to drive your car, the accident, damages, and who is officially at fault, etc. Plus, coverages can vary at different insurance companies.

Next up: If you'd like to receive payment for the damages, contact your insurance company to see how you're covered and file a claim.

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Start Over

They have insurance, but you do not

As long as you gave them permission to drive your car, then they should be covered. Their policy extends to your car and covers them the same way as if they were driving their own car. Damages they cause to others' cars, property, or even injuries are covered. If they have collision, damages to your car are covered. Collision is an optional coverage, but most drivers do add it.

Next up: If you'd like to receive payment for the damages, contact their insurance company to file a claim.

See more on what collision insurance covers.

Back
Start Over

No one has insurance

If they're not at fault in the accident, the at-fault driver's insurance company should cover the damages. But if they are at fault, then they're not covered and neither is your car.

Next up: Get an auto insurance quote online, and get covered for future accidents.

Back
Start Over

You both have separate insurance policies

Chances are, they're covered. But, which company will actually handle the claim and send payment for damages can vary based on the accident, damages, who is officially at fault, etc. Plus, coverages can vary at different insurance companies.

Next up: If you'd like to receive payment for the damages, then it's best to contact both insurance companies to simply discuss the details of the accident. Then you’ll know whose insurance applies and which company to file the claim with.

Back
Start Over

You have insurance, but they do not

There's not a straightforward answer, as this depends on if you've given permission for the other person to drive your car, the accident, damages, and who is officially at fault, etc. Plus, coverages can vary at different insurance companies.

Next up: If you'd like to receive payment for the damages, contact your insurance company to file a claim.

Back
Start Over

They have insurance, but you do not

As long as you gave them permission to drive your car, then they should be covered. Their policy extends to your car and covers them the same way as if they were driving their own car. Damages they cause to others' cars, property, or even injuries are covered. If they have collision, damages to your car are covered. Collision is an optional coverage, but most drivers do add it.

Next up: If you'd like to receive payment for the damages, contact their insurance company to file a claim.

See more on what collision insurance covers.

Back
Start Over

No one has insurance

If they're not at fault in the accident, the at-fault driver's insurance company should cover the damages. But if they are at fault, then they're not covered and neither is your car.

Next up: Get an auto insurance quote online, and get covered for future accidents.

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Please note: The above content is meant as general information to help you understand the different aspects of insurance. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for, nor do we endorse or approve, the content of any third party sites linked from this page. Access to such sites is being provided for informational purposes only.

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