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IN-THE-KNOW

“Can my friend borrow my car?”

“Can my friend borrow my car?”


Most people assume their friend’s insurance would cover an accident—but in Michigan, that’s usually not how it works.



What to Know Before Lending Your Car

  • In Michigan, insurance usually follows the car

  • Your policy is typically primary

  • You pay your deductible if there’s a claim

  • Your rates could be affected

If your friend rear-ends someone and the repair is $2,800, and you have a $500 deductible—you’re responsible for that $500. Their insurance may not come into play for smaller claims.

Not sure how your policy handles permissive drivers? It’s worth checking with your agent before you hand over your keys.

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“Can my friend borrow my car?”

Writer: Tamara Champagne
Tamara Champagne
May 5
1 min read
“Can my friend borrow my car?”

Most people assume their friend’s insurance would cover an accident—but in Michigan, that’s usually not how it works.



What to Know Before Lending Your Car

  • In Michigan, insurance usually follows the car

  • Your policy is typically primary

  • You pay your deductible if there’s a claim

  • Your rates could be affected

If your friend rear-ends someone and the repair is $2,800, and you have a $500 deductible—you’re responsible for that $500. Their insurance may not come into play for smaller claims.

Not sure how your policy handles permissive drivers? It’s worth checking with your agent before you hand over your keys.

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