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Ohio licensed, located. Serving Ohio residents and business owners. |
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summit home | auto & more | homeowners/renters |
business protection | life &
health | service center |
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Ohio licensed, located. Serving Ohio residents and business owners. |
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summit home | auto & more | homeowners/renters |
business protection | life &
health | service center |
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Coming Soon...Buy AUTO insurance instantly online! |
Accident With a Borrowed Car: Whose policy pays?
If you loan your car to a friend and your friend has an accident, it's your insurance that's on the hook. "The insurance follows the car" is the general rule of thumb.
The borrower's insurance could become involved if: Yes. If you borrow a friend's car and have a serious accident. If your friend's (the owner's) coverage (called the primary coverage) is used up, then your own coverage (the secondary coverage) would step in. Or if you borrow your friend's car, have an accident, and then find out your friend did not have insurance in force on the car. Then your insurance may step in and become the primary coverage.
All these rules go out the window in many cases if the person whose car you borrow happens to be a relative who resides in your household. Remember these two things: First, always exercise caution when it comes to lending your car. Second, if you're ever in doubt about whether you or another driver is covered in any given situation, please call us.
For more info check out "Must Know" info below.
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Unsure of how much coverage you should have? Click here>
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Summit Insurance Agency 5170 Darrow Rd. Copyright © 2006 - Summit Insurance Agency |
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