If this is the case, then your car insurance company can refuse to cover if they are in an accident and if you didn't let them know there was another driver on the vehicle. Accidents, however, are unpredictable and can happen anytime. No Money? A Trip Back in Time: How People Talked About zillow owned homes 20 Years Ago. But you need to be careful when lending out your car to uninsured drivers because of the potential liability to you as the car owner. Before you leave, we'd like to understand why you want to cancel your policy, see if there's anything we can do to help with your situation and make sure you're not at financial risk. Has your permission (written or verbal) to drive your vehicle. Even though your friends insurance might be used to cover some injuries or damages eventually, your policy for your vehicle will be used as the primary coverage for the accidentmeaning damages done to your vehicle as well as the other persons vehicle and any injuries that were caused. Travelers: $333 per 90 days. 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How to solve pii_email_0904b1d63035b96ad9ba error? Is Tech Making craigslist iphones for sale Better or Worse? This is what's known as "permissive use.". Letting someone borrow your car means you're giving them "permissive use" of your vehicle. If someone borrows your car, your car insurance would provide the primary coverage in any accident where the driver was at fault. So, before you let someone else get behind the wheel of your car, you should do two things to make sure that person is covered by your policy. 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Even if someone said you could borrow their vehicle "whenever," asking permission can prevent misunderstandings and false reports of a stolen vehicle. 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