TAMPA, Fla., Aug. 29, 2025 ~ In a recent investigation conducted by USInsuranceAgents.com, the age-old question of whether insurance follows the driver or the car has been brought to light. The report, published on their website, delves into the complexities of insurance coverage when an uninsured driver borrows a car.

According to the report, in most cases, insurance coverage follows the car. This means that if an uninsured driver borrows a car and gets into an accident, the vehicle's insurance policy will be responsible for covering any damages or injuries. However, there are certain situations where coverage may also follow the driver.

For instance, if an insured driver rents a car, their own insurance policy will typically cover their rental vehicle. In this case, the driver's insurance would be considered secondary to the vehicle's primary coverage.

But what happens when a friend frequently borrows a car with permission? In this scenario, the vehicle's insurance policy would still be considered primary coverage. However, if the damages and financial impact of an accident exceed the policy limits, then the borrower's own insurance policy would come into play as secondary coverage.

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This raises concerns about potential risks for both parties involved in borrowing and lending a car. If a friend borrows a car with minimum coverage and gets into a major accident, they may be held responsible for any additional expenses that exceed the policy limits. This could result in significant out-of-pocket costs if they do not have their own insurance policy.

On the other hand, if someone lends their car to an unlicensed driver who causes an accident, their insurance company may deny any claims due to illegal operation of the vehicle. To avoid such situations, Melanie Musson from USInsuranceAgents.com advises readers to ensure that anyone borrowing a vehicle has a valid driver's license.

To mitigate these risks and uncertainties associated with borrowing a car without proper insurance coverage, Musson suggests considering purchasing a non-owner insurance policy. These policies start at an affordable $32 per month and can provide coverage for any damages or injuries caused while driving a borrowed car.

In light of these potential risks, it is important for car owners to have open and honest conversations with friends or family members before lending their vehicle. These discussions may be uncomfortable, but they can help eliminate confusion and set clear expectations for both parties involved.

For more information on this topic, readers can refer to the full report published by USInsuranceAgents.com titled "Does car insurance follow the car or the driver?" It provides a comprehensive analysis of insurance coverage in various scenarios involving borrowing and lending a car.

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