You ask to borrow a car. Your friend,roommate or family member graciously agrees and hands over the keys. Just asyou're backing out the driveway, you wonder to yourself if you're insured ifyou borrow the car. Before you borrow someone's vehicle, it's a goodidea to understand how your car insurance in Renton, WA works.
Generally, when you borrow a car, youborrow car insurance, too. Insurance typically follows the vehicle, not thedriver. That means if you're involved in an accident while driving someoneelse's car who is not on your insurance policy, the owner of the car willprobably be held responsible for any financial damages. In fact, the car'sowner may even be responsible for the deductible.
Before you borrow a car, it's importantto know any insurance limits that may apply. In some cases, the car owner'sinsurance may not provide coverage or it may provide coverage lower than theowners selected limits. Typically, the owner's policy will generally coversomeone who borrows a car with permission, there are some instances where itmay not. If you:
the car policy is unlikely to coveryou. Insurance policies typically feature what's called the permissive driverclause that allows a car's owner to occasionally lend the vehicle to someoneand still have the owner's insurance apply. If any of the above situationsapply to you, you may need to secure additional coverage before you borrow thecar.
Are you ready to find the right carinsurance for your vehicle and needs? Contact the professionals at Humble& Davenport Insurance, serving Renton and neighboring cities of Washingtonfor quality autoinsurance coverage today.