In most instances, borrowing a car or renting, your auto insurance will follow a vehicle rather than a driver.
Typically, the insurance you obtain for your personal vehicle will carry over to a rental car. Seems easy enough, but there are some stipulations to this rule. The rental vehicle cannot be used for business. In order for your coverage to carry over the rented vehicle must be used for 30 days or less and inside the United States. Only coverage that you currently have carries over. If you have no comprehensive and collision coverage then you’re left without it on the rental car. Knowing this information can save you a lot of money. You can get away with not purchasing extra insurance in some cases.
Say that you have a friend who needs to borrow your vehicle to run errands or move. If they have your permission to use the vehicle then your auto insurance will follow the vehicle and transfer to them. They cannot be previously excluded from your insurance in order for the transfer to work.
Make sure to check your policy as these rules can vary. If you need more information feel free to give us a call today, 352-371-7977.