You loan your insurance.
Most believe auto insurance follows the driver, not the vehicle. Not the case in Montana where insurance follows the vehicle.
Before you lend your car to a friend or let a family member not listed on your auto insurance policy drive your car, be sure you understand your insurance coverage in the event of an accident. You may assume if your friend borrows your car and has an accident it is your friendís auto policy that will pay. In fact your insurance company may have to cover the costs whether your friend has auto insurance or not.
The general rule is that your auto insurance policy insures your car. Your coverage may be extended to cover the actions of a driver using your vehicle that is not listed on your policy under the permissive user rule if certain tests are met; the driver doesnít live with you, doesnít drive the car regularly, is not an owner of the vehicle, has a valid driverís license, has your permission to drive the car, and is not specifically excluded from driving the car under the terms of your auto insurance policy.
If costs related to the accident are greater than your auto insurance policyís limits and your friend has auto insurance, then your friendís insurance policy may pay the excess costs.
Darnielle Insurance is available to answer your questions.
We are located at 1320 28th Street West, Billings, MT 59102.
Give us a call at 406-652-4180.
Start a Quote Online
We'll Shop Around So You Don't Have To
Start a quote by filling out our online application providing us with the basic information we need to perform a quote. It only takes a few minutes and we'll respond within
one business day.
- Mar 23, 2017 11:40am
Winter is Loosening its Grip...
- Nov 06, 2016 04:10pm
- Oct 11, 2016 09:57pm
Phishing, Don't Take the Bait
- Aug 05, 2016 03:04pm
Your Home may be Underinsured
- Jul 06, 2016 04:23pm
Do You Volunteer Your Time AND Insurance?
- Apr 15, 2016 08:49pm
Home Improvement Season!
- Feb 26, 2016 09:17am
Wow... Uber is coming to Montana!
- Jan 02, 2016 05:02pm
Hey "Sled-Heads" are you ready to go "Billing?"
- Nov 12, 2015 09:02pm
Reducing Your Insurance Costs ... Distinguishing Bad Advice from Good Advice
- Oct 05, 2015 11:01am
What should I know when buying my Condominium Unit Owners policy?