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 friends car occasionally, for instance once a month, your friends policy will most likely cover you while driving the vehicle.
How long: If you are borrowing your friends car for a day or two, this is probably not considered regular or frequent. Say you need to use your friends 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 friends 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 friends vehicle.
NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companies forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive. IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.