If I'm borrowing a friend's car, do I need to get insurance in case of an accident?

If you drive a friend's car occasionally, you are typically covered under their insurance policy.

The insurance policy of the car, not the driver, is the primary coverage in an accident.

A driver's insurance policy acts as secondary coverage, and can pay for damages not covered by the car owner's insurance.

If you frequently drive someone else's car, consider getting non-owner car insurance for additional protection.

Non-owner car insurance policies usually do not include comprehensive, collision, or towing coverage.

Liability insurance, typically included in both owner and non-owner policies, covers the medical bills and damaged car of the other driver involved in the accident.

If a friend lends you their car, and you get into an accident, they might see an increase in their insurance rates.

When driving in Canada or other countries, be aware of stricter car insurance requirements and additional customs regulations.

In case of commercial use of a friend's car, verify if your personal car insurance policy offers sufficient coverage.

Always check with the car owner if their insurance policy includes additional drivers, as some policies have limitations.

Driving without insurance, even if borrowing a car, can lead to fines, license suspension, or legal consequences, depending on the state and country.

If the car owner's insurance has lapsed, you may not be covered in an accident, even if driving with their permission.

Some rental car companies require proof of insurance coverage before renting a car; coverage may be purchased from the rental company if lacking.

Comprehensive insurance covers damages to the car unrelated to accidents, such as weather, theft, or vandalism.

Collision insurance covers damages resulting from a crash with another car or object.

Uninsured motorist coverage pays for injuries and damages if the driver at fault doesn't have insurance.

Rental reimbursement coverage, available through some insurance policies, covers the cost of a rental car while your own car is being repaired after an accident.

Insurance rates for non-owner policies depend on various factors such as driving history, age, and location.

When driving someone else's car, it's essential to understand both the car owner's and your own insurance policies to determine adequate coverage.

If you frequently borrow a car, discuss sharing insurance costs with the car owner as a way to help offset the expenses related to insurance.