Borrowed Vehicles

"The insurance follows the car" is the general rule of thumb. For example, if you loan your car to a friend and your friend has an accident, it is your insurance that pays. However, there are exceptions:

• Suppose you borrow your friend’s car and you have a serious accident. If your friend’s coverage, called "Primary," is used up, then your own auto insurance, called "Secondary," would step in.
• Or, suppose you borrow your friend’s car, have an accident, and then find out your friend did not have coverage on the borrowed car. Your insurance would then step in and become the Primary coverage for the accident.
• If a person who lives with you or visits you borrows your car, your insurance on that car is the primary coverage in the event of an accident.

You should always consider these two simple rules before borrowing a car or lending a car:

•  Exercise caution and be sure there is active primary and secondary insurance coverage.
• If you are ever in doubt about coverage, call us!

Our team at Executive Insurance Group can help you with any questions you may have regarding this necessary coverage on all vehicles in your care. Call us at: 330.966.0080 locally, 800.981.0080, or email: info@executiveinsurance.com