Sometimes, people borrow your car. If it is a spouse or other, very close family member, he or she may be included on your insurance and have permission to drive your vehicle, and that is all right.
Sometimes, however, we let our friends drive our vehicles, and that is where potential problems arise. If your friend is a bad driver, you may well have to pay for that.
Let’s just say that your friend borrows your vehicle and then has an accident. You will, of course, have to file a claim if that happens — and it will be up to you to pay any applicable deductions. Not only that, but the odds are good that your insurance rates will increase as a result.
Of course, if your friend did not get your permission, you may not be liable for any damages. However, if your friend does not have insurance, then anyone else involved in the accident may be able to come after you for damages.
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