Home » Car Insurance 101 – Commons Questions

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Merriya Valleri

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Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

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Written by Merriya Valleri

Expert Insurance Writer

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Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

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Reviewed by Brandon Frady

Licensed Insurance Agent

UPDATED: Mar 15, 2025

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If the borrowed car has insurance, you’re covered. If it doesn’t, then you’re not covered under your basic car insurance policy. Your car insurance policy covers your car, not you. That is, unless you have uninsured motorist coverage and the accident that happens is not your fault.

As for lending your car to someone, the car stays insured but you should be forewarned that lending your insured car should not be taken lightly. If an accident occurs and you have no choice but to file a claim, your premium will probably increase because your risk factor increases.

In addition, if the insurance company will investigate the driver using your car and if found having a bad driver’s record, could hold you liable for damages.  You could also be facing criminal charges for allowing a high risk driver on the road.

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