Can a family member borrow my car?

You can safely lend your vehicle to someone without worrying about whether that person is named as a driver on your auto insurance policy if the following three conditions are met: The person is a licensed driver, legally allowed to operate a motor vehicle in Alberta.

Is someone else covered to drive my car?

Usually, yes — your car insurance coverage should extend to anyone else driving your car. So if you lend your car to your best friend, your sister or even your second cousin, your insurance is most often the insurance that will pay in the event of an accident.

Can I let someone else borrow my car?

Although you should check your individual policy, most of the time you can let someone drive your car and still have coverage. As long as you give the person permission, and they only drive the car occasionally, there shouldn’t be an issue. Accidents, however, are unpredictable and can happen anytime.

Can a friend or relative Borrow my Car?

As vehicle owners, it’s not uncommon to have people ask to borrow our car, and we would like to help. But we also need to be sure the vehicle and the person driving is covered by your auto insurance policy. Will Your Auto Insurance Policy Protect You, Your Friend and Your Vehicle?

What happens if you let your neighbor borrow your car?

“By far, the number one misconception about loaning out your vehicle is that if you let your neighbor borrow your car, an accident should go on his insurance because he was the one driving,” said Dave Freeman, vice president and regional underwriting officer at Erie Insurance.

Who is responsible if you loan your car to a friend?

Responsibility for Car Crash Damages Generally, if you loaned your car out to a friend or family member and that person is involved in an accident, your insurance company would be primarily responsible for covering the damages. However, there are certain situations where this may not be the case.

Who is entitled to your car insurance if you lend it out?

Generally speaking, your auto insurance policy applies to all drivers in your household — spouse, partner, roommates or relatives — who have permission to use your car. Non-household members are usually considered “permissive” drivers. Suppose you lend the car to a friend, who causes an accident.

As vehicle owners, it’s not uncommon to have people ask to borrow our car, and we would like to help. But we also need to be sure the vehicle and the person driving is covered by your auto insurance policy. Will Your Auto Insurance Policy Protect You, Your Friend and Your Vehicle?

“By far, the number one misconception about loaning out your vehicle is that if you let your neighbor borrow your car, an accident should go on his insurance because he was the one driving,” said Dave Freeman, vice president and regional underwriting officer at Erie Insurance.

Responsibility for Car Crash Damages Generally, if you loaned your car out to a friend or family member and that person is involved in an accident, your insurance company would be primarily responsible for covering the damages. However, there are certain situations where this may not be the case.

Is it safe to let someone borrow your car keys?

Before you let someone borrow your keys, you should know that car insurance follows the vehicle, not the driver. Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page.