Insurance Follows the Car

We found out about insurance following the car the hard way. We did not stress to our children enough not to let anyone drive their vehicle and wound up with our insurance company paying a claim (or two) that should have been, in our minds, charged against the friend’s policy. It made sense to us that if a friend was allowed to drive the car he/she should suffer the consequences such as premium increase, depreciation and deductible. Au contraire. Negligent friend driving our car was charged against our insurance, not his.

Think about this the next time someone asks to borrow your car. It can cost you a lot more than you might originally think!

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