When I am visiting a friend in Indialantic, Florida I will need to borrow their car; will their auto insurance cover me?

First and foremost your friend needs to check with their insurance company or agent prior to loaning out the car to know if their particular policy will cover you while driving their car. In most cases, the answer depends on what you are using it for, how often, and how long you are using it for.

How often: If you only borrow your friend’s car occasionally, for instance once a month, your friend’s policy will most likely cover you while driving the vehicle.

How long: If you are borrowing your friend’s car for a day or two, this is probably not considered regular or frequent. Say you need to use your friend’s car for a longer length of time like several weeks; in this case you most likely would be considered a regular user and may need to be added to your friend’s insurance policy.

What for: Consider that if you use your friends vehicle to conduct any business you will need to make sure the vehicle is covered under a commercial auto or business insurance policy. Typically, personal auto policies will not cover anyone for conducting business with their vehicle.

All auto policies have long lists of circumstances that are not covered. Make sure you check with your agent or company to see what is or is not covered before you borrow a friend’s vehicle.

Our Melbourne Auto Insurance Agency is centrally located in Brevard County, enabling us to locally serve Viera, Cocoa Beach and Palm Bay.

Questions And Answers about Florida Insurance